milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX I attempted to call Navient about my student loan. I could not find the number so I XXXX it. When I called the number a XXXX XXXX answered the phone and asked me was I calling about my student loans. He may have said are you calling to consolidate your student loans. I told him I was calling to request a deferment on my student loans. He went through the spill of telling me about the federal government forgiveness program. I had heard of it but never checked into it nor read about it. What he told me I took for truth and he told me that the federal government was offering the loan forgiveness program if you qualify. He asked me a few questions and determined I qualified. He told me it would cost {$390.00} and XXXX $ a month for 20 years afterwards the balance forgiven. I told him I had to think about. Up until now I thought I was talking with representative from Navient ; he then told me to think about and gave me the correct number to call Navient. I did not mention this to Navient when I called ; I only ask for the deferment information. After a few weeks I decided to call XXXX XXXX back, thinking he is with the XXXX to start the process of loan forgiveness. Unfortunately after I paid the {$390.00} to XXXX XXXX and was not able to get back in touch with him the next day I felt uneasy. I paid this money on a Thursday, Monday I called Navient to tell them what happen. They inform me that I had talked with a third party company. The company XXXX XXXX is with is called FedLoan Help Center. Navient informed me that they were playing off the name XXXX XXXX with is a legit company they deal with for consolidation and loan forgiveness and is a free service. I have called and emailed XXXX XXXX, no response. I will continue to call the XXXX XXXX XXXX to request a refund, but I have signed papers electronically and I am not sure how far I will get or how long this will take. I am furious that he had mislead me to believe he was with the XXXX and that the Federal Government was offering loan forgiveness for XXXX $ and XXXX $ a month for 20 years and then I would be forgiven for the balance. This company has misrepresented themselves on googled and used wording to make you think they are with the Federal Government and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I have an XXXX loan from cash-n-go. Every time, Cash-n-go process my payments through direct deposit, I was charged for additional 12-14 days of interest. The reason was waiting for the fund to clear from my bank. I went to see why their so much time delay for the bank to pay the loan but XXXX said no that 's not the case. The bank pays the next day after the business process it. Chas-N-Go had charged me XXXX times such extended interest for a reason not mine or my bank 's fault. Cash-n-go has lied to me by stating false information, and they charged me {$200.00} each for a total of {$1000.00}. I was rubbed in a daylight. 

If needed I can present my paper from the bank and Cash-n-go. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Equifax, XXXX , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: hurting my credit report with incorrect debt

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Payday loan debt) with Rosebud Economic Development Corporation (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I made a written request to stop receiving phone calls, but they are still trying to harass me over the phone for a payment.

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 07/16/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This compliant is against Midland Funding I have disputed this account that is currently listed on my credit report. I sent correspondences to Midland funding and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with Midland and I have asked them to verify the proof that I owed the debt.
<P/>
When I dispute these items with  XXXX ,  XXXX  &   XXXX   the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
<P/>
Currently the furnisher Midland Credit is reporting false information for example : The date open reports  XX/XX/XXXX  Date of 1st delinquency  XX/XX/XXXX  Date of the 1st major Reporting XX/XX/XXXX  How can the account 1st delinquency which is  XX/XX/XXXX , occur a year before the account open in  XXXX .
<P/>
This information is false, and Midland continues to call me, send me type written correspondences and send information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: I terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive.

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 03-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I contacted Kohls in regard to my checking account being compromised and wrote checks on my account to pay for purchases and the checks had returned on my Kohls credit card I informed the company of the information and my account closed without my knowledge after I informed the company to rectify the issue and the account kept accrue interests and late fees even after it was closed and Kohls failed to contact me to help me resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.

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 Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Recently a credit card that was on my report for about 10 years was deleted off of my credit report. I am asking for this Item to be placed back on my report. 

XXXX Account XXXX Credit Limit {$1000.00}

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 05/23/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I recieved a payday loan to help pay for bills while i was out of work from a car wreck in 2014. I was out of work for 5 months and a settlement against the man that hit me is being processed. I couldnt be homeless with my daughter. I have made some payments to them but they said it doesnt count. Since then, I have been Receiving threatening emails saying they are sueing me and making an arrest warrant for me. A few months ago I tried settling with them and the yelled at me and harassed me and my work place.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint with the reporting agencies stating that the Public Record Information was inaccurate. It is my understanding according to Public Record law and dictionary definition that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. I approached the Bankruptcy court where the case was initiated and the Bankruptcy Court has confirmed that they did not verify by documentation. Although I received proof that the reporting agencies did NOT " verify '' from the origin, the credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am XXXX years old. Eveytime I get my credit report, my mother 's name is listed as a XXXX name on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Three weeks ago, I mailed Experian XXXX specific things that I believe are incorrect on my credit report and asked them to investigate. On Saturday, I received a response in the mail saying : " We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. 
... 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. '' This is ridiculous, because I included a copy of my drivers license in the mailed correspondence. I contacted Experian on the phone yesterday, and the representative could not access my information. She also could not allow me to verify my identity so that those items could be investigated. She only said that I could tell her on the phone what my issues were. 

My rights as a consumer are being violated. Experian should have removed the incorrect information from my report right away, and instead they are refusing to even investigate if it is correct. I sent my complaint in the mail because I wanted to use my own words to describe the issues and not have some random person on the phone use hers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: See QWR notice of Error and Exhibits. 

My investor agreed on a reaffirmation agreement XX/XX/XXXX this was signed in court on XX/XX/XXXX and filed. The investors loan servicer failed to adjust my loan to the agreement and continued to send me monthly bills that included the bankrupcty cram down. The loan servicer changed XX/XX/XXXX and the new servicer Ocwen resumed where XXXX left off with the incorrect amount on the transfer documents. Notified Ocwen XX/XX/XXXX and did not get a response or a monthly statement unit XX/XX/XXXX I guess they wanted to make sure the 3 year statue of limitations ran out just one problem now that they got the loan amount adjusted they want more than half that principle paid at once or be foreclosed on. I never even got a letter telling me why or what happened to cause this large payment. ITS CALLED DISCLOSURE. 
I have asked for copies of all periodic monthly statements relating to my mortgage and any response to my questions to be returned or responded though the CFPB to me. I have found in the past when I have asked for information that the investors or loan servicing companies respond that they will need additional time or they will respond directly to me or my attorney but end up never completing the response in full to me or sending a attorney my response weeks later but not what I asked for. I have enclosed a permission letter from my lawyer in the exhibits and faxed a copy today to my POC at Ocwen to by pass any legal confusion if that Ocwen can communicate with me. I want to make this clear that any in the form of documentation or information should be sent back though this complaint. If my POC at Ocwen needs to contact me the letter will allow this they have my number and email on file. My goal here is to have a open line of communication and resolve some errors due to mismanagement of my loan and hopefully settle it out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with TCF NATIONAL BANK (TX).
Issue: Trouble during payment process

Complaint: This appears to be systematic problem that would affect anyone paying off there loan, when they have a different mailing address on file, because XXXX is only mailing refunds to the property address not that of the mailing address on file. 

I had sold my house and the closing was on XXXX/XXXX/XXXX. The title company then sent the payoff funds on both my XXXX and XXXX mortgage to XXXX. XXXX was overpaid and a refund was due to me on both loans ; however, when I contacted XXXX they told me the XXXX mortgage refund was sent to the property address because I need to send a change of address. I had advised the XXXX that XXXX has my correct mailing address for many years now, because this was a rental property and a " change of address '' to XXXX was not needed. I was already getting mortgage statements, etc. from XXXX at the correct address. Then after the run around, I finally got XXXX to cancel the XXXX refund checks sent to the property address and reissue them. However, they then again sent the refunds to the property address! Again after the run around, XXXX advised they would not issue XXXX more stop pays and they wanted to wait to see if the refunds are returned to them or forwarded to me. I told them my forwarding address expired many years ago, they had my correct mailing address for many years and obviously the new owner did n't return the first checks, the XXXX set probably is n't going to be returned as well. 

I had told XXXX I was going to file a complaint, if my refund was not sent to me at the correct address and was told there was nothing they could do. Obviously this is well past the 20 days allowed to issue the refund. XXXX then continued to hold my funds at their benefit and continued to rely on their internal system, which did n't make any sense. Instead they kept telling me I needed to send them writing notice of my mailing address, but I then again reminded them it is correct in their system and has been for many years! This was a rental for 12 years, so my mailing address has not been that of the property for some time. ( It appears they only look for a newly filed change of address to send the refunds to the mailing address rather then the property address. ) This process/system needs to be investigated! 

I finally got XXXX refunds dated XXXX/XXXX/XXXX and received them in the mail shortly thereafter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I hope this letter finds you doing well. FedLoan is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX and XXXX During the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, FedLoan is reporting to credit reporting agencies such as XXXX, XXXX, and XXXX, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, FedLoan granted me a retroactive forbearance in XX/XX/XXXX that lasted fromXX/XX/XXXXto the end of XX/XX/XXXX. <P/>Thus, FedLoan is aware that I was supposed to be in forbearance, they approved said forbearance way back inXX/XX/XXXX, and FedLoan has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end ofXX/XX/XXXX. <P/>However, despite my numerous efforts to get FedLoan to update the credit reporting agencies to remove these late payments because I was in forbearance, FedLoan continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called FedLoan to dispute these late payments, and I have supplied FedLoan in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied FedLoan with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinionXXXX FedLoan continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am writing in reference to a Released Tax Lien that is reporting on my Transunion and XXXX  credit report as Serial No. # XXXX. The Lien has been released since XX/XX/XXXX. I  have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released Tax Lien was immediately removed by XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. Transunion or XXXX has not updated their information and PER the New Law the Released Tax Lien listed does not include all the required information and should be deleted from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/2017 Allowing multiple hard credit report inquiries from one signed consent of XXXX XXXX XXXX. For signed allows XXXX consent, no others stated on form. XXXX additional hard inquiries had been added. California State penal code stipulates a consent is needed for each credit inquiry made as well as U.S. Code. I signed for XXXX XXXX only.

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