milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Howdy. I check one of my three credit reports every four months. For, I'd guess, the last six or eight years, Every. XXXX. Time. I try to get my report from Experian, I get a message like " A condition exists that prevents Experian from being able to accept your request at this time. '' I've never had any trouble whatsoever with either of the other two companies. To be fair, the one time I requested my report via snail-mail, Experian did send it, but I want to avoid the trouble and expense of snail-mail. 

It's hard for me to believe that Experian is acting in good faith. Please kick them. Hard and repeatedly. 

Thank you.

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 06/25/2016 about Debt collection (Non-federal student loan) with GC Services Limited Partnership (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a few accounts with XXXX XXXX that were taken out during my XXXX studies between XXXX I have a few issues, one being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work at XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. One being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a law firm filed a bogus credit card debt through lvnv funding while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Late fee

Complaint: I have cancelled XXXX credit cards since XX/XX/XXXX, after I was accused of providing late payment via mail on credit card bills. XXXX card was a JC Penney credit card, a XXXX card was a BP Visa Card, and a XXXX was a XXXX XXXX XXXX card. In all XXXX cases, the bank/sender of the credit card statements claimed that they received payment/check from me through the mail " just after the payment due date. '' I have had credit cards for over 30 years, and have never had to make a late payment fee for any cards prior to this past year. This recent problem with late payments on credit cards bills has not occurred with any other credit cards. XXXX of the cards are those issued by Synchrony Bank, and the XXXX was issued by XXXX. 
XX/XX/XXXX -- JC Penney card, {$17.00} late fee chargedXXXX XXXX -- BP Visa card, {$25.00} late fee chargedXXXX XXXX -- XXXX XXXX XXXX card, {$25.00} late fee chargedIn each case, I mailed my payment check 3 weeks ahead of the due date, and yet, the credit card company/bank said the payment arrived late. I find this suspicious, and wonder if it has anything to do with my never having paid late fees in my history of using credit cards. Is it possible this is a scam to make at least some money off of me, since credit card annual fees do n't exist on the cards? I had at least XXXX credit card company say directly to me many years ago that they could n't make money off of someone like me, after i asked to cancel my account with them since i did n't want to pay the annual fee on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have an account with Capital One. I had to claim fraud on XX/XX/XXXX and they gave me a new number. However, they failed to advise me that my account would no longer report on my credit bureau. I had to find out by checking my credit score on XXXX XXXX. My credit score on my XXXX credit report dropped from XXXX to XXXX because this account was deleted. My credit score on my XXXX XXXX credit report also dropped from XXXX to XXXX. I filed bankruptcy in XX/XX/XXXX and I was using this credit card to rebuild my credit. I have never been late. I depend on this credit score to assist me in continuing to build my credit. I contacted Capital One on several occasions. One was  around the end of XX/XX/XXXX and they stated they would look into it. I never received a letter about my inquiry. I then contacted them again around mid XX/XX/XXXX and submitted another request to have this investigated. I finally received a letter dated XX/XX/XXXX stating that the old account was transferred to a new account and to allow up to 60 days for the new account to start reporting but as to this date it is still not on my credit report. I continue to make my payments, but they have failed me in not reporting my account right away when I brought this to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: DISCOVER CARD BALANCE TRANSFER WAS OFFERED I ACCEPTED IT NOT NOTICING AT TH E TIME SOME FINE PRINT A FEW DAYS LATER AS WELL AS OTHER DETAILS. SO I CALLED IN AND INFORM THEM THIS OFFER IS NOT IN MY BEST INTEREST. THEY TOLD ME THE PROCESS HAS ALREADY STARTED. I ASKED WHAT DO I HAVE TO DO. THEY SAID YOU HAVE TO RETURN THE MONEY BACK IN FULL. OF COURSE YOU KNOW IT IS A PROCESS FOR THEM TO SEND THE MONEY TO ANOTHER BANK AND ITS A PROCESS FOR ANOTHER BANK TO SEND THE MONEY BACK TO THEM. WELL DISCOVER CARD STARTED THE PROCESS ON  XXXX   XXXX     2017  THE MONEY WAS PAID IN FULL BACK TO THEM  XXXX   XXXX   2017 . YET THEY REFUSED TO REFUND ME THE {$400.00} FEE THEY CHARGE ME FOR THE BALANCE TRANSFER AGREEMENT WHICH I DO N'T HAVE NOR WANT. I WAS TOLD TO CALL TH E OTHER BANK AND ASK THEM FOR THE {$400.00} WHICH IS STUPID BECAUSE DISCOVER CARD BILLED ME {$400.00} NOT THE OTHER BANK IF ANYTHING THE OTHER BANK PAID EVERYTHING IN FULL ( SO DISCOVER CARD OWES ME ). THEIR REPRESENTATIVE KEPT REPEATING THE SAME THING OVER AND OVER AGAIN WHAT HER SUPERVISOR AND THE BALANCE TRANSFER DEPT TOLD HER TO SAY. FINALLY I TOLD THEM I WILL BE REPORTING THIS INJUSTICE AND GREED BECAUSE I WILL NOT BE TAKEN ADVANTAGE OF. I WAS ASKED TO RETURN THE MONEY AND I DID JUST THAT. YET YOU STILL BILLING ME FOR AN OFFER I DONT HAVE. I NEED HELP!!! THIS IS NOT RIGHT. THE ACCOUNT MANAGER SAID THEIR IS NOTHING SHE CAN DO. I ASKED HER TO NOTE MY COMPLAINT AND THAT I WILL BE FILING COMPLAINTS AS WELL AS INFORMING THE MEDIA, THE BBB, THE INSPECTOR GENERALS OFFICE, AND THE FEDERAL TRADE COMMISSION IF I AM NOT REFUNDED ... .. PLEASE   HELP ME BEFORE THIS GETS UGLY BECAUSE I WILL TAKE THEM TO COURT ... .. THANK YOU

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I entered into a rehabilitation program on my defaulted account ( s ) and setup automatic payments each month to get my loans out of default. I noticed there was no automatic withdrawal on my bank account the next month ( month2 ) so I called the company who I have the arrangement with and gave them my payment information again. XXXX XXXX and XXXX I verify that the payment is withdrawn from my bank account. On Month XXXX I call the company I have the rehab agreement with to change my billing information, I am opening an account with a new financial institution and need to update my billing information. To my dismay, they inform me that I have n't been making payments and need to re-commit to the rehabilitation program. I check online and clearly see that the correct amount is being withdrawn monthly at the correct dates using the automated process setup over the phone. The company informed me that even if my proof of payments was satisfactory for them that I still missed payments and would have to start the program again. This is unacceptable to me. 

My original financial institution mailed me an official statement with the XXXX " missing '' payment information on it. I 've mailed a copy to the u.s. department of education and I 've emailed a copy to the company I 'm dealing with. 

I no longer trust this company. While in communication with them I 've had to explain the entirety of my situation to many new representatives and supervisors because they do n't understand details of my case. In order to stop that from happening a representative informed me that my case would no longer be moved but I was moved anyways. No matter how small, errors like that are unacceptable. 

I have started a new rehab program with the same company and have been making my payments on time. I believe my rights have been violated but I do n't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Trouble during payment process

Complaint: We were shocked last week to have XX/XX/XXXX mortgage payment returned with letter saying we should contact them to receive the reinstatement amount.

After reading this I called them and they were closed. I then reactivated my online information to try to go see what is happening. Have n't received anything from Ocwen to know there was a problem.

Then could hardly breathe while screenshotting the account activity.

It shows that all payments were received and returned since XX/XX/XXXX, almost a year! This is the first time I received a returned payment. Where are the other 10 returned payments? Why did they get returned? Was insurance even paid? All this time I had no idea, why? We are sending them and where are they now??? 

The letter has my parents old address, was returned and Ocwen placed in a handwritten envelope. Then resent to my correct address which is the property address. * I used to have important mail sent to my parents address, my dad passed away 4 years ago, mom moved out and requested for mail to go to the property address again. 

On XX/XX/XXXX : -The bank said that they were n't cashed. We are able to cancel/reissue.

-The Post Office is looking into this but said highly unlikely that would happen that many times-they must not have really returned them AND the mail would have been returned to sender. 
-We checked with the homeowner of my parents old address-he has n't been receiving them. 

This is so scary, I feel scared and defeated by them once again. 
I 'm lost at how to figure this out. 
Nothing to my property address, no phone call-those things have n't changed. 
I 'm shocked that there is n't anyone coming to our house to collect?! For a year! 

Years back they told me that I needed to pay a huge amount because I fell behind. They inflated the amounts and I had to pay up because they said it was too late to do loan modification. Hindsight, they were probably being dishonest. We made the arrangements and paid to have everything good again. Now this. And during that period there were letters notifying us. 

I told my entire family, some started looking online and found your company sued them for exactly the things I have went thru in the past. In addition, massive amounts of homeowners in the same situation with this company. I am just in a state of fear. 

I feel like if I called them, they will say another insane amount to steal from us. I 'm shocked that there is even a record of consistently receiving payments and returning them. 

I am completely overwhelmed and fear the worst. Since your company has faced them, I 'm hoping to learn what I can do to save our house. How to resolve this. Seems like they hope that people are going to be too scared and they will get their homes. Cant imagine losing our home after 20 years- our dogs are buried here. We are getting the payments canceled and reissued but I just do n't trust these guys-please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: I recently called Bank Of America for a dispute I had, because I had {$300.00} taken out of my account through an atm. That was after I realized they stole my whole wallet from my jobs XXXX party. First, they do the claim over the phone, and ask you a series of the dumbest questions I ever heard! After, like 20 min on hold and 45 min trying to explain what happened, I get no temporary credit or anything. I told them that 's was all my money and for holidays. So I had to wait 10 whole days for them to send me a message saying the claim will not be paid, because the transactions were dispensed and just. I know they were dispensed, but not to me. I am do upset with this bank and how they play you from every angle. Plz help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Debt collection (Credit card debt) with URS Holding, LLC (NC).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I have receiv ed two differ ent letters from  XXXX  different debt collection companies for the same debt originating from  XXXX   XXXX   XXXX . I receiv ed one lette r from  XXXX   XXXX    XXXX   on  XXXX / XXXX /   2017  and I also received another letter from from Alltran Financial , LP on  XXXX / XXXX / 2017 . the amount on both account is  XXXX  which it is not accurate at all. I dont know which one actually owns the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with SYNCHRONY FINANCIAL (MS).
Issue: Customer service / Customer relations

Complaint: I have a Care Credit Card. I have called the company several different times since 2012. I had a XXXX and was late on some of my payments. I called them to find out what options I had to get back on track since I was off work going back and forth to doctors to see what exactly was wrong with me. It took a year to find out that I had actually had XXXX strokes. In this time frame, I was not using the card for my doctor bills because I have insurance. But to make a long story short, I have paid all my promotional balances off according to my online statement. Today I called them and the representative tried to tell me I have an old promotional balance of like {$4.00} and then something about a balance of {$200.00} that is being charged interest. There is no open balances on my statement. The total amount of {$2200.00} is marked as unpromotional balance - which means interest on top of interest. No one can explain any of this to me. I have not been able to get anyone to help me resolve this issue since 2012. I am at my wits end to get this resolved. I do n't feel like I owe this but when I spoke to a representative and tried to get help I was informed by him that his supervisor told me to call XXXX. I called that number and it is to a debt collection agency or company to like consolidate debt and get on a monthly payment plan or something. I just want every one else that is considering getting a Care Credit Card to refrain from doing so. It is definitely not a reputable company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested to receive all three of the online credit reports at XXXX and was able to access XXXX and XXXX. I noticed a difference between reports and attempted to dispute the XXXX - XXXX XXXX XXXX Loan Amount. When I completed dispute, for Security Reasons the system booted me out. When I returned, it indicated I completed review of ALL XXXX credit reports. This is False as I could not longer logon again. I 've requested Experian provide me a link to retrieve my FREE Experian Credit report. 
Issue at hand : My Identity was misused by XXXX XXXX XXXX who was assisting me to purchase a property, XXXX XXXX, 2008, which he still owns. He used a Fraudulent Financial Institution : XXXX XXXX XXXX, Owner, XXXX XXXX, Used a Fraudulent Escrow Officer, XXXX XXXX with Fraudulent Escrow Co. XXXX, sold loan to a Fraudulent subsequent Financial Institution : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. Looking to EXPUNGE Fraudulent and Delinquent Bill from unknown Financial Institution. It 's not my Loan. Thank you.

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 11/24/2015 about Debt collection (I do not know) with Monterey Financial Services LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA. 
Disputed items : XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXXXXXX Ref #  XXXX XXXX XXXX XXXX Ref # XXXX XXXX XXXX XXXX Ref # 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 non-monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I feel like i have exhausted all efforts with XXXX and TransUnion Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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