milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co-signed a XXXX student loan for my Grandson. He is paying it currently and it is up to date. I just started receiving phone calls from XXXX @ Navient XXXX wanted me to make a payment on my student loan and call her back @ XXXX. I see no reason for them to be calling me. I have n't given them any information. On XX/XX/2017 she called two times. On XX/XX/2017 she called me three times, then I decided to start writing down the times they called. I am not answering the calls they are going to my voice mail. On XX/XX/2017 she called at XXXX,XXXX & XXXX. On XX/XX/2017 she called @ XXXX, XXXX, XXXX & XXXX. On XX/XX/2017 she called @ XXXX. I believe this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true 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 08/15/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: Previous CFPB complaint # XXXX. Previously I advised that I returned my lease for my XXXX Chevy Cruze XX/XX/2015. I returned 3 months early due to many recalls as well as transmission issues. ( I was already on XXXX transmission after only XXXX miles ) Previously the CFPB case I opened told me that my account was closed, and I was even issued a refund for a payment. I am now getting harassed stating that I owe GM {$1700.00} for returning my lease. WHY would I owe money, after they had issued ME a refund check. This is extortion for money that I do not owe, and was told I do not owe. Please refer to the letter I received in my prior CFPB case. I also tried to call the person that wrote that letter numerous times with no reply. Every time I call GM, I am told they will investigate, and I do not hear back, or I get passed around. I do not owe this money, and if GM continues to pursue it, or if my credit gets affected in any way, I will seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been trying resolve an issue with B of A since XXXX XXXX, 2015. My frustration with B of A is that I am never able to speak with the same person twice. I am transferred from XXXX department to another. This is a case of fraud but the local Police Department is understaffed and therefore very slow to act. On XXXX XXXX, 2015 I sent a letter to B of A, Executive Relations, in Delaware. To date I have not heard from them. I am XXXX and my husband is XXXX. We live on our XXXX and XXXX Pension. B of A is trying to hole us responsible for {$16000.00} in Credit Card charges we did not make. I have copies of all of the letter to B o A. Anything you could do to help me would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Data Line Credit Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the company, and explained i dont have any cars but XXXX in my name from 1999. He called me some names and kept yelling pay your bills. I told him about some fraud on my credit and some identity theft. But he said pay your debt. I stated sir this is not my car. Asked him to ssubmit something so i can take to dmv so he can take this off. He just sent a letter asking for money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.

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 09-12-2015 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: To whom it may concern : This is to let you know that I requested XXXX XXXX XXXX XXXX XXXX on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : Citibank XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

XXXX XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens of the XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from XXXX XXXX XXXX XXXX that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from XXXX XXXX XXXX Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Auto debt) with EXETER FINANCE CORP. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in car accident back in XXXX XXXX and the other driver insurance company XXXX XXXX totaled out my car an gave almost the amount of payoff and GAP insurance took care of the rest.Also company listed wrong last of payment on my credit report of XXXX which is causing issues in my credit due to false reporting.But the last payment they recieved was from Gap that paid off car.The company also re aged debt with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Vehicle loan or lease (Loan) with 1 STOP MONEY CENTERS, LLC (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: On XX/XX/2017 at XXXX I ( XXXX XXXX ),  spoke with a XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 1st party collections office, I started the call by asking her if this is an attempt to collect a debt, she verified it was, without giving me the mini miranda, i then asked for a transfer for her manager to confirm of the violation, she sent me to the general manager " XXXX '' who advised me they are are 1st party collections and they don't Follow the FDCPA, I want to confirm if this was true or not? Also on the SAME CALL the general manager XXXX gave me Misleading information and literally said " since you have not paid this loan back yet, we are SUING you '', she actually said that threat over the phone, now i'm aware that collection agencies have the right to go to small claims court..however the reason why she gave me misleading information was because on the point of the call the account was still in collections and i was actually calling in to make payment arrangements ( i was only a month behind ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted Experian - repeatedly. I hired an Attorney to submit a Dispute Letter and Documents to dispute the item. This item has remained on my Credit Report - without Experian investigating OR providing me with a copy of the/any proof Experian had received to substantiate the item. 

I forwarded my 3rd Letter on XXXX/XXXX/16. I forwarded a copy of the same Letter to the XXXX Ombudsman.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that Equifax had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called Equifax to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We have had difficulties in paying our loan to Bank of America. Tried to set up electronic payment through our bank ( not a BOA ) when our loan was bought by BOA and the first month was a nightmare of issues of BOA, so we ended up sending a check but made it so we could track when it was received. Took 3 weeks to show it had processes. We were able to set up electronic payment ( not automatic withdrawal ) the next month. But it takes more than XXXX attempt to electronically pay. XXXX month it took XXXX attempts before it was able to successfully be paid and that was after us calling to complain and after BOA sent us a default notice by certified mail! It had only been 3 weeks and XXXX attempts to pay BOA. And when I called about the default notice, I was told there were no problems with my account. And that BOA sends the notice to all WA residents as information on our rights as WA residents and it was not a notice of default. I have spoken with a representative at WA XXXX XXXX XXXX XXXX and was told that BOA may have sent the notice after our XXXX payment being late ( 3weeks! ) but it was definitely a notice of default not just a informational letter as I was told when I called BOA. BOA has been extremely frustrating to work with since our loan was purchased by them 5 months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Disputes were sent out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - To date, nothing has been updated or completed. Over 90 days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.

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 10/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting information that is not my account And I am not responsible for. Its reporting XXXX XXXX XXXX system account # XXXX as my account witch is false information and did not properly verfied the account before putting it in my credit report I have the proper documents showing this belong to someone else and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Enchanced Recovery is violating the Fair Credit Reporting Act. I had an account with XXXX XXXX XXXX back in XX/XX/XXXX. I had an issue with XXXX XXXX. They were supposed to make a website for my business and never completed the task. I disputed this in XX/XX/XXXX through XX/XX/XXXX. Enhanced Recovery bought the debt and despite many requests have never validated the debt with us. Now they continue to report the debt even though they can not prove we owe it and it is past 7 years FCRA rules.

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 11/28/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am currently fighting a court case in VA with Land Or Timeshare. The court date is onXX/XX/XXXXwhich a month away. Some paperwork was sent from VA from a court clerk with the court date of XX/XX/XXXX to Chase bank requesting to hold XXXX, Chase froze XXXX from both my checking and saving plus a hold of XXXX dollars which they could not explain what that was for when I went to the bank on XX/XX/XXXX. Prior to going to the bank I spoke to a representative from the court orders and levies department explaining to this gentleman that in the state of Texas, a creditor can not garnish anyone 's account unless its a federal garnishment, for example child support, taxes, student loans etc. I also asked if the legal department was contacted about this matter. According to the chase rep, he did have to confer with the legal dept and chase had to honor the garnishment because they did business in VA. I 'm not sure if this company makes its own laws. This is the second time they put a hold on my account. the first time my husband deposited a check for XXXX dollars from his business account which was also with Chase they put a hold on my account even though my husband and I was at the bank together at the time of the deposit, at the teller together. They also called my husband while we were still at the bank and he verified that he made the deposit. Myself and my family wants nothing more to do with this company, just release my money. my husband has no problem taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgage lender for our home loan is Bank of America. We moved into our home in XXXX and in XXXX I lost my job and we began trying to work unsucessfully with BOA and are still being challenged with trusting, getting support, and responsiveness with BOA. They are giving us the run around, denied assistance, provided minimal assistance that was n't helpful and then simply are unresponsive in our modification process now. This has been going on since XXXX. 
1. We were denied assistance in XXXX because my spouse holds the loan but I lost my job. BOA told us they couldnt help us repeadedly. Our household income was reduced by XXXX. In XXXX I was underemployed working part time for approx XXXX a year and we requested assistance. We were approved for a trial modification reducing mortgage for {$180.00} a month. We could n't accept because we could n't even afford the reduced amount. We paid XXXX mortgage payments instead, rejected the modification, and tried to borrow $ from family and when work bonuses were received we tried to catch up. 
3. We continued to struggle, I was re-employed full time making 30 % less than the career I had before, were still struggling, went into forclosure in XXXX, took XXXX dispursements to get out, and we are still struggling. 
4. XXXX we have enormous debt, we cant catch up, we have sold all stocks to reduce the debt, we have high expenses, over XXXX in medical bill debt. We began the modification process in XXXX XXXX and as of XXXX/XXXX/XXXX we are still in it and ca n't get this process moving. We have been given the runaround, the process does n't tell you what additional information you need to send, they send the same letter over and over again without specific info on what they need just the boiler plate list of required documents, they do n't communicate with you, respond to emails or call back, meetings scheduled have been no shows on part of BOA, and the phone numbers they provide on their website do n't work. We have lost trust that we will get help and although we are paying or mortgage. we have bills that ca n't be paid ont he other side like car payments, daycare, etc. We have complied with everything they have asked and then some. This process needs an overhaul. HAMPT is meant to help homeowners not give then the run around. I 'm sure there are others in this same class that could come forward to validate these complaints. Its terrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX accounts XXXX account number XXXX and XXXX account number XXXX are over 7 years old. They are legally not allowed on the credit report any longer. However, Experian has kept reporting the accounts.

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 08/17/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called and have done online dispute over 5 times with Equifax and each time they are not reviewing the information correctly. They are reporting false info on my credit reports. The account number does not match my account number. It is my only collection and is not mine. I have gotten a debt validation from the collection company and i have proved it does not match the account number i have. Equifax has not looked closely at this info and seems to be looked over by a computer. Account numbers do not match on debt of validation from XXXX. it is ruining my credit. i have also made a police report. This needs to come off of my report. Equifax takes a long time to review and when they do report, it is still false information. 
-XXXX XXXX has done their 60 day investigation and at least they see its false. 

Also, while i asked for debt of validation, Equifax let XXXX XXXX XXXX report again on my report as " open '' and " late '' and not as " being disputed ''. This is against the rules as well. 

This is against the Fair Credit Reporting Act ( FDRA ). i will submit to XXXX and contact my state 's attorney general if this does not get resolved. 

-Equifax reporting false info -Equifax not looking over account numbers -I have disputed 5 times and they are not looking at the info and it remains -i have attached my debt of validation from ONLINE COLLECTION SERVICES ( look at account number ) - i have attached my bill with account number from progress energy when i cut off my last bill ( look at account number ) -i have attached XXXX XXXX actually looking and correcting this issue like a credit reporting agency should. 


I expect this to be resolved very fast and not take weeks like when i dispute through Equifax dispute website. I have my information attached if you need to contact me.

Company response to consumer: Closed with explanation