milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have tried numerous times to get this alleged debt/ accounts verified in the standards following FCRA. I have filed Disputes almost every 30-45 days because Experian has failed to adhere to the laws of FCRA. All Experian says is its " verified and updated ''. I sent additional letters requesting documents that prove how they verified it and who they spoke with. But no response to those letters. As according to section 611 in FCRA, as taken a part of my letter, " by the provisions of the Fair Credit Reporting Act, Section 611, I demand that these items indicated be investigated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

With asking this information Experian sends me these kind of responses that say, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. My additional information is this document asking for proof in how Experian verified these these two accounts ( XXXX XXXX and 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
Consumer complaint received 02-11-2017 about Credit reporting () with Navient Solutions, LLC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: There are discrepancies on my credit report. There are open loans and credit cards that I didnt apply for. Im also having issues getting loans and credit cards. I recently applied for a credit card and a personal loan from XXXX but it wasnt approved. This happened about a week and a half ago. I want to be able to get a loan and a credit card. I want the discrepancies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with Drew Eckl & Farnham, LLP (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I am a former employee that has some very serious concerns about the Collection practices of this agency. I have 20 years experience in the Collections Industry and have witnessed and verbalized to Partners of the firm what I have noticed and nothing was done. The employees that make repeated violations such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX are still employed. This firm does not have proper management, trainer or training, rules, compliance officer, quality, and guidelines in place in writing to protect employees and the consumers of there clients XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There Human Resources department seems not to know who is a Collector or Legal Assistant which shows they don't know what is going on or care to know. 

I have witnessed employees use verbal legal threats to consumers that will not be sued. 
Speak with 3rd parties without proper authorization and giving out debt information. 
Speak with consumers that have attorneys retained but collected money and communicated with the consumer. 
Call consumers out of time there zones because to calling out restrictions in place. 
Not stating calls are recorded from the beginning or stating the Mini Miranda at all. 
Suing and sending notices to accounts that are outside the statue of limitations. 
Consumers not getting initial demand notices because of returned mail and accounts addresses not being properly updated. 

Just to name a few violations and they have only been doing Collections practices for about 4 years now and they really need to get it together asap or they may be sued and not to mention stop discriminating against employees with XXXX  XXXX with no disciplinary actions and good quality calls and immediately fire them such as me. This firing almost caused me to kill myself and keeps me up all night but I have faith and trust in XXXX and the Truth must be told and I will fight for my rights and the rights of the consumers. Please look into this matter today!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am filing a complaint against Navient, because I have a private loan with them, and my aunt is the cosignor. I was advised by Navient that as long as I have 6 months of perfect payments, they will remove my aunt from my loan. However, once I reached that 6 months of perfect payments, they advised that I actually have to have 12 months of perfect payments before they would consider removing my aunt from the loan. My aunt 's credit has been negatively impacted by this, and she is struggling to cosign for her own daughter who is going to be attending college next year. 
Aside from that issue, the interest rate attached to this private loan is very high, 13.5 % -15 %, and I have struggled to afford the monthly payments, going as far as paying late on other bills, and my debt to income ratio has had a drastic impact on my credit score. 
I work full-time for a social security law-firm, and am XXXX a single mother XX/XX/XXXX. When I reported my XXXX to Navient, in hopes that this would offer some sort of relief for me, they advised that it would not. Their customer services is horrendous, I get told different things about my loan every time I call in, and it has been an extremely emotionally and financially draining mess of a situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: was offered to switch out of my current lease early to a new lease for a XXXX XXXX. after negotiations I have chosen to proceed with that. The dealership took over my previous car and gave me a new car per contract. The dealership was suppose to payoff my previous lease. In addition, there was a missing part, a home charger, which was missing from a new car. what was offered was to keep my existing charger and they would order a new one, or to just keep my old one for the duration of the new lease as it serves the same purposes and has no difference from the new to the old car. First, month and a half after the transaction, my wife started to receive collection calls from Nissan as the lease payment was not done. The callers were rude, unyielding and not understanding of the situation. After contacting the dealership, it turned out that they neglected to process the return and failed to notify Nissan of the transaction. It took numerous calls, horrific conversation until the dealership finally paid off their obligation and the calls stopped. Now, in later XXXX a new letter arrived which stated that the lease return had an outstanding balance, which was incorrect as the dealership was taking over everything and bought out the lease. after contacting the dealership and expressing this concern, I was assured that this was going to be taking cared off. The reason why there was a balance was due to the vehicle being returned off of lease with no charger. This again was a problem as I was never given one and again was told by the dealership as there was a missing charger, to keep the one I had before. Again, the dealership failed to notify Nissan of this issue. At the same time, I contacted Nissan and expressed my frustration with this issue and described the issue to them, during which time I also filed a complaint against a dealership. Now my wife is receiving harassing phone calls at work saying this issue with the balance has been sent to collections, being rude and completely unapologetic, not caring of the issue and threatening. This is completely wrong, this is fraud and negligent. The public needs to know the hazards that this presents in doing business with Nissan and this dealership. They should not be able to operate in this misrepresenting manner to deceive the public and then collude to through them into this spiral of collections and proving their right.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. 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 03/29/2017 about Credit card () with DISCOVER BANK (ID).
Issue: Credit card protection / Debt protection

Complaint: Discover company claims I agreed to a payment protection plan in 2003 but ca n't give me proof. They have cancelled the plan on my request and have offered a refund of the past 6 months chargesture. This plan represents a great deal of money charged me with no benefit to me at all. My husband pays the bills and did not realize this was a scam charge.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Brown Olcott, PLLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX Brown Olcott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Made an inquiry for collection of a debt. 
I called on XX/XX/XXXX and left a message along with the case # XXXX for bankruptcy for them to remove the inquiry. 
It is still on reports.

Company response to consumer: Untimely response
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TransUnion had 2 separate glitches that occurred that deleted two inquiries on my credit report and then was re-added to my report once the glitch was discovered. Transunion failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I called Transunion on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX regarding Transunion unlawfully re-adding inquiries to my credit report without prior notification. XXXX, before gathering my information, immediately said that I was not affected. I then asked to speak to a supervisor who could be of better assistance. Ultimately, he refused to delete the inquiries that were unlawfully added to my credit report. The computer glitch was TransUnion 's problem - not mines- which caused my inquiries to be deleted. TransUnion later added the two inquiries back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These two inquiries are from XXXX XXXX dated on XX/XX/XXXX and from XXXX XXXX dated on XX/XX/XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I ask you CFPB to help make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am going through a divorce with my ex wife XXXX XXXX. During the proceedings I closed and paid off all of our joint accounts. In XXXX got an alert from XXXX that my usage on my XXXX XXXX had spiked and that the balance was almost {$12000.00}. I called XXXX as I have another card through them and was informed of this card for the first time which is in my ex wife 's name with me listed as a secondary guarantor. I told them on XXXX to close the account and they told me that could only be done by the primary card holder. 

I was then directed to the fraud resolution department which I spoke to on XXXX XXXX, XXXX, and XXXX th. The account was finally closed on XXXX XXXX, XXXX but by then the amount owed had risen to {$18000.00}. I told them that I had never authorized this card and they verified that I have never charged anything on the card. I have since requested a copy of the card holder agreement on XXXX XXXX and was told it was sent. On XXXX XXXX, XXXX I was told it was sent to my ex wife in error. I then resubmitted the request on XXXX XXXX, XXXX and was told it was coming my address which was verified. When I called today and spoke to a supervisor I was told it could only be sent to the primary card holder. 

I then sent a fax as directed explaining my situation again. If they can not provide me with an agreement I have requested they remove me as a guarantror.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with The CBE Group, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, I was aware of the collection from Cbe group. Which is a collection company for XXXX XXXX XXXX from what it says. I 've never have XXXX XXXX XXXX my identity was stolen. I 've filed a police report so I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Inaccurate and outdated medical collection accounts and city tax lien continue to the reported on my credit report despite theses accounts being paid in full and service providers requested to have these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

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 08/28/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I did a dispute with Equifax with a Account that was CHarged off with XXXX XXXX XXXX and the Collection company and provided documentation that the account was paid. Equifax updated the information for XXXX XXXX XXXX and did not fix up the collection account as paid which documentation was posted on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Signed contract in XXXX XXXX California for a lease of XXXX XXXX XXXX XXXX Set payment INCLUDING sales taxes was XXXX per month. US BANK unilaterally, and without proper documentation or notice, raised the lease payment monthly rate in XX/XX/XXXX to XXXX per month. They refuse to provide documentation and claim a change in sales taxes, however no such change in the state of California occurred. They are committing fraud by changing rates and then not providing adequate explanation or recourse.

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 08-01-2015 about Credit reporting () with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the late payment is still showing up on my report beyond the seven years rerequ

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: I had fraudulent activity on my checking account that lead to the need for XXXX overdrafts from my credit card. When I spoke to the bank and filed claims for the fraudulent charges I was told that I would receive credits for the charges. I received credit for one of the charges but not the other. The charges were for {$20.00} each. I have spoken with Wells Fargo multiple times and spent hours on the phone to get this resolved and have been transferred from one department to another and have ultimately been told that they ca n't give me the second credit. This has caused me much aggravation. I have been a customer of Wells Fargo for XXXX years and this is the kind of customer service I receive!

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 07-05-2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The Foreclosure sale date is scheduled for tomorrow XXXX XXXX, 2016. Caliber Home Loans told me that I had up until 15 days before the sale date to submit all the documents to be considered for a modification review. I hired a law firm to help me, XXXX XXXX XXXX. The law firm submitted all the documents prior to the 15 days ( and also Caliber had the extra 5 days for them to be uploaded ). 
Based upon the law firm communication, the law firm submitted all the documents in time ( prior to the 15 days ) and it was acknowledged that Caliber received them. Now the day before the sale date, Caliber is saying that they did not receive all the documents. Now they are saying that all the documents should have been in 37 days prior to the foreclosure sale date. Caliber contradicted themselves by first saying 15 days and now saying 37 days prior to the sale date. Is this an illegal foreclosure. Also as shown on a previously filed complaint, Caliber did not tell me the XXXX XXXX guidelines. 
The attorney advised me that I could file bankruptcy. Caliber switched telling me their rules about the number of days that the modification package had to be in. They told me 15 days and now they are saying there is a 37 day rule. This is another example of Caliber Home Loans giving conflicting information as well as incomplete and incorrect information. Caliber does not provide all the information that is needed to help the homeowner in a timely basis. Inconsistent and incorrect information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (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: have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California 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
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a mixed file on my credit report XXXX XXXX XXXX marketing

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: 1 ) wells Fargo sold my home when they said I was under review I had XXXX set of copies I sent the XXXX set via XXXX they told me they did n't received all the paperwork I also had to fax missing documents then I was told there was deadline but I never received any letter for the deadline and I never received notice of the date for sale date, the bank set up mediations while I was in active bankracty the note on my home on public record said superior mortage it was n't until after I was served that my note was changed, I was being charged 14 % an adjustable rate when I ask for a hamp modification I get adjustable arm with the last payment being XXXX so it was adjustable arm with a balloon payment at the end that suppose to help homeowner, I was had force insurance put on my home when I had insurances but I later found out class action suit because they were doing it to all there clients I believe this is fraud foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation