milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX  has  XXXX  accounts on my Transunion and  XXXX  reports that are over the seven year period.

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 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I attempted to submit a dispute online to Experian. Their file attachment software will not accept any of my files even though they are the correct file type ( PDF ) and under the file size limit of XXXX. I therefore utilized their mail-in option to correct my dispute - I have a civil judgement on my report that has been released/satisfied by the court, which I shall attach below. Experian is a scam. The company steals money through deception on their products, makes it virtually impossible to contact a live person to settle complaints, and does not respond to any requests. This company should be thoroughly investigated due to the severe impacts they have on the average citizen.

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery Company a collection agency is attempting to collect on an alleged debt owed to XXXX a cable company. I had contacted XXXX disputing this alleged debt in which they did not put my account on vacation status which I had informed them to do. The XXXX representative stated they would adjust my bill. I am still a XXXX customer. I received no communication that XXXX was referring my account to a collections agency. After reviewing my credit report is when I noticed that Enhanced Recovery Company was reporting this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply 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 05/21/2015 about Debt collection (Payday loan) with SOUTHERN MANAGEMENT CORP. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked this company to not call me at my place of employment on multiple occasions and they still continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is XXXX reports that are not mine i was a victim of identity theft. experian did a dispute on the items. and there still on my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: The credit card issuer - Discover Card - fails/refuses to remove charges from my account claiming that the merchant XXXX has not received the returned items. I provided all the required and supporting information including tracking and delivery receipts from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consulted my Loan Servicer ( Navient XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX options for civilian Department of Defense employees in XXXX. I was informed that the program required 120 payments and that my existing loan was eligible for forgiveness including various monthly repayment options. 

My previous XXXX loans were consolidated in the XXXX at 9 % and I 've repaid over {$90000.00} on an original {$45000.00} principal balance. However, I still owe approximately {$100000.00}. 

Navient / XXXX XXXX indicated I was not able to further consolidate my existing loan ( previously consolidated ) and further indicated I was on track for the XXXX XXXX XXXX XXXX program. 

After, six years of qualifying payments while employed with the Department of Defense I checked on the status of my XXXX XXXX XXXX XXXX and was informed that my consolidated loan was NOT eligible for the XXXX XXXX XXXX XXXX program since it was not a DIRECT loan. 

I am now able to CONSOLIDATE my previously-consolidated single loan BUT approximately 6 years of previous payments while employed with the Department of Defense do NOT qualify toward the XXXX XXXX XXXX XXXX program. 

I was continuously misled by Navient / XXXX XXXX and only inquired recently due to news about the XXXX administration 's desire to potentially change the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: ON XXXX XXXX bank of America 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to bank of America XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to bank of America and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the bank of America for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My Dad got a reverse mortgage with XXXX XX/XX/XXXX. About a year or so later, XXXX went out of business and now XXXX XXXX XXXX was in charge and hired Reverse Mortgage Solutions as the servicer. My dad passed XX/XX/XXXX. I thought I would be able to purchase the home within a year due to a business deal I was involved with with my cousin but he fell ill and the project went on hold indefinitely. Then the company I worked for went out of business. XX/XX/XXXX received notice that the company foreclosed saying I defaulted by not appearing in court to answer. I was never served a summons to my knowledge and they have lied about how and who was served and have never been forced to prove service in a traverse hearing which I requested of the Supreme court. They never offered the house to me or my siblings at XXXX % of value, but instead after only 2 years since the inception of the reverse mortgage, were asking back over triple what they paid my dad, adding their own legal and other fees to the total. I filed a bankruptcy to stay the sale. Due to errors in filing pro-se, the bankruptcy was dismissed. During that time XXXX XXXX XXXX went out of business. I heard nothing on the case for 6 months, then I get a letter from Reverse Mortgages Solutions ( RMS ) the servicer, staying they are auctioning my house on XXXX XXXX, XXXX. I filed a Chapt XXXX bankruptcy with a lawyer who failed to get the stay which is nonsense since the stay is automatic. They auctioned it and bought it themselves. To summarize, they have attempted to evict me 3 times. Once I delayed it by fling a pro-se order to show cause but the judge did not even address that I was not properly served and my accusation that chain of title has been broken. They keep getting a free pass, no traverse hearing, no burden of proof of title. I believe fraud has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.

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 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On  XXXX   XXXX ,  XXXX , I entered into an automatic ACH payment plan to make my account current with Navient. I have been making monthly payments ranging from {$290.00} a month to now {$560.00} a month. I started to receive letters in the mail stating that my Federal Loans were in jeapordy of defaulting. How can that be if I 'm paying over {$560.00} a month? I called Navient customer service and they stated that only my private loans were setup on the ACH payment plan. It was supposed to be the entire account. I stated that during my call to set up the ACH with Navient customer service the call agent stated that my entire account would be brought to current and my interest rate reduced since I was on an automatic ACH.     Not only does Navient offshore their customer service, they do not understand the issues as they are often reading from a script, it is very difficult to get an on-shore Supervisor.     I was finally transferred to  XXXX   (  alleged Supervisor ) who stated that my Federal Loans were not setup on an ACH plan and I would have to do this on the website. He would not do it over the phone. I went over a multitude of issues with  XXXX  regarding the impact to my credit report based off their negligence and handling of my account. I had two different payment due dates for my  Private and Federal  Loans. I made  XXXX  change them to match so I would have my bank drafted for both sets on the same day. My credit report has been severely impacted because of the delinquency they have been reporting for the last 2 years. I asked  XXXX  to remove the delinquency as it was  Navient 's fault and he stated that I had to submit a written dispute to  Navient via mail. I asked if I could fax it as it would still be written and he stated no, it would have to be mailed.  XXXX  then applied a forbearance on my account to bring up my Federal loans to current. He then instructed me to go on to the website and setup my  Federal Loan AC H payments.     I proceeded to setup my Federal Loan ACH automatic payments in  XXXX  and the website showed that I needed to pay {$380.00} because the ACH was being activated too close to the  XXXX  due date. I made the payment of {$380.00} on  XXXX / XXXX / XXXX . The website was calculating  XXXX  payments because as of  XXXX / XXXX / XXXX , I do not have an amount due for  XXXX / XXXX / XXXX  on my Federal Loans. My  Private Loan  still has a payment scheduled for  XXXX / XXXX / XXXX  of {$560.00} The way in which Navient conducts business is utterly unacceptable. I should not have multiple due dates for my student loans. If my account is being addressed, it should be the whole account and not part of the account. Customer service needs to be onshore and not based in  XXXX  where people do not understand the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company  name. This is a nationwide company I am speaking of. The company is XXXX formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX, my purse was stolen ( containing money, credit cards, social security card, and driver 's license ). XXXX XXXX I reported that information, and provided police report. I was given a free credit report recently, and in reviewing, I noticed that there are XXXX addresses being reported, that I have never lived at nor have I ever lived in either areas. I have never lived on XXXX XXXX, in XXXX, nor have I lived on XXXX XXXX, in XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where I have lived for the past 25 years ). Please remove the inaccurate information from my profile. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: I am disputing a transaction ( please see below details ) charge to my checking account. I do n't have a product or service with the company charging my bank account, however, Wells Fargo is closing my dispute, stating I need to deal directly with the merchant. 

XXXX XXXX/XXXX/16 RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX CARD XXXX Open Canceled service or merchandise XXXX/XXXX/16 Cancel

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 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.

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 10/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just spoke with XXXX at XXXX phone number XXXX, who validated that back in XXXX they requested Equifax to remove this fraudulent information and I have requested this several time from Equifax. Equifax is not making any correction or assisting me with removing something that XXXX has told them was not my fault. 
Additionally, The XXXX Account has the same issue. I called that company in XXXX. 
These XXXX items are destroying my credit report and I ca n't get a XXXX student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with Transunion. I have contacted transunion in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX  they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved

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 01-02-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I purchased a promotion item, interest free for XXXX, with my Home Depot credit card. I paid off the promotion item in time but Home Depot applied my payments to other charges I made after the promotion purchase. In other words, they applied my payments to my most recent purchases, thus voiding the promotional offer and causing me to accrue {$100.00} interest on the promotional purchase.

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