milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To CFPB After many attempts and request for Experian to remove inaccurate personal information from my report as required by Federal and State law, ( old inaccurate addresses ) they have refused to obey the law, we have sent multiple request by letter and also by certified letters and their response has been less than intelligent therefore, after speaking with you yesterday and the research you did to find if Experian has a history of this abuse and finding that you have had hundreds of complaints against them and also, I filed a complaint with the Texas Attorney General 's office, XXXX XXXX who did a preliminary search while I was on hold and found that there were multiple hundreds of complaints made against Experian as well my attorneys are now preparing the paperwork to file a major law suit against Experian for their abuse of Federal law, my attorneys noticed that Experian has multiplied the old inaccurate addresses on my report many times to the tune of 13. Therefore, and because of this abuse we will sue them in the amount of {$1000.00} per old address ( 13 total ) for my time in having to deal with this ( {$10000.00} ) court cost and attorneys fees.

We will also be issuing a public bulletin in addition to my law suit against them to prepare to file a class action law suit as well.

I do appreciate you sharing with us the fact that you have, in the past, fined Experian XXXX XXXX dollars for misrepresenting peoples credit scores and we urge you to fine them again for their many abuses on my and others.

We have all their responses and will present it as evidence against them in court.

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 12/27/2016 about Other financial service (Debt settlement) with Student Services (FL).
Issue: Fraud or scam

Complaint: In an attempt to pay down my student loans, this company stated that they charge {$240.00} for the first two months in order to consolidate my loans. The following months I paid {$110.00} every month in order to pay off my student loans. I later found out that since all my loans were through the federal government, there is no charge to consolidate my student loans and in some cases consolidation is not necessary. I have since gotten multiple requests from XXXX stating that my loans have not been consolidated and when I contacted the agency to inform them of the notices, I was told that it takes a while to process and that the consolidation would show up. Nothing has shown up. I was also unemployed for a few months and when I contacted the agency to let them know, they never placed me on the deferment list and still took out the {$110.00} in XXXX. I attempted to contact " Student Service '' several times in order to resolve the issue but their phone line continued to go straight to voicemail. I also tried to locate original documents in an e-mail that only provided a link and now goes to an invalid page. 

To resolve this issues, I had to contact my bank, XXXX XXXX XXXX, to report the fraudulent activity and have them on permanent suspension of further deducting any money from my account. Once the issue was resolved at my bank and I received the funds, I FINALLY heard something back from " Student Services '' from someone named XXXX XXXX saying that my account with the agency was canceled. I have also checked on my government student loans and there have been no payments made to settle my debt. These instances occurred only because I was trying to relieve my debt prior to finishing XXXX school. It is extremely unfortunate to have agencies like this that exist to scam individuals solely wanting to pay off their student debts. 

Attached within this claim is the original agreement from Student Services and XXXX additional documents stating they would be taking out {$240.00} in XXXX and XXXX. Also included are my XXXX XXXX XXXX statements for XXXX, XXXX, and XXXX. XXXX and XXXX payments are listed on the XXXX statement together. 

At the bottom of each statement it lists the automatic withdrawals for the account. This company is listed as STUDENT SERVICES XXXX : RECURRING on each statement. 

XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX/XXXX/2016 for {$110.00}

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 11/30/2017 about Vehicle loan or lease (Loan) with Portage Financial Services Company Inc. (OH).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: We got a XXXX XXXX XXXX from this car company in. From the very beginning we had problems with the car from the wheels coming off while driving with my family in the car to the engine and transmission going bad all within a year. After all this finally voluntarily returning the car back in XXXX XXXX. Fast forward to XXXX and my checks are being garnished and I 'm confused cause I never got the chance to explain my side to the judge in court. I believe I should have had to pay the remaining balance after all the issues with car. We were never offered another car or anything after so many deadly issues were reported and happened with the car. After setting up a payment pLan and stopping the garnishment in XXXX my wife lost her job and I became responsible for a XXXX kids, rent, car, insurance, food, and other household bills. I tried to get the payments lowered until we got back to a stable financial situation. I feel like this company knew the were selling faulty cars because after we started having problems the dealership we went to just up and closed no heads up or anything. After I explained everything to the rep about our financial hardships they declined to work with us and lower the payments so we could get back on track. We understand that we missed some paymentsort but after explain our hardships and even breaking down out bills they still were n't willing to work with us. I 've been trying to contact this lawyer of theirs since XXXX and she never answers her phone or respond to voice mails. In XXXX after calling and calling and calling and telling them I was filing a complaint because the were n't returning or answering our calls to try and resolve the situation we were finally contacted by a XXXX XXXX Who works for the finance company. When this second garnishment was started up and we went to the court house so try and fight the case we were told we do n't have to go through XXXX XXXX to set up payment we needed to their lawyer who still does not have a office or even a working answering machine for you to leave a message. As a result of all this my wife is starting to suffer from XXXX from fear of us losing our home and car. As a result of the garnishment as explained in an email we our now suffering more hardships as we are behind on out rent and because of not so good credit I have a car payment of {$610.00}, rent is {$890.00}, we have XXXX kids, insurance, food, and utilities.

Company response to consumer: Untimely response
Consumer complaint received 06-12-2015 about Credit reporting () with LEXISNEXIS (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am having an issue with Lexis Nexis they are reporting a Public Record from XXXX County. These were fraudulent taxes filed with my social security. They are relaying this information to XXXX and i have disputed the public record with XXXX and they continue to verify the information as accurate because of the information they are receiving from Lexis Nexis. I am attaching the police report that i filed showing this public record is fraudulent. I am requesting for lexis nexis to remove this fraudulent Public record from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Discover refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or  XXXX   XXXX , unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX  sent notice of Debt owed I called this company about the Debt to see what it was this was the first contact ever made by this company. This is a debt for XXXX XXXX. The original amount was owed in XXXX the first contact I received was on XX/XX/XXXX How can they collect this after 6 years and this is the first I am aware that it was even owed to them. The amount owed is XXXX they want to settle for XXXX I don't feel I owe this since they have never tried to collect this before.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've previously addressed this matter via CFPB and Equifax reported that it is not displaying on my credit report but the account still remains. See attached. 

Company 's Response Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. After further review, the disputed XXXX XXXX account is currently not reporting on the Equifax Credit report. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Delinquent account

Complaint: Citi bank reported delinquent payments that damaged my credit standing on an account that they never furnished me a hard copy of the statement for. I kept getting emails telling me to log into their site to see the account but kept telling them I could n't because I no longer had the card and the log in required it. They would not provide me with the full number of the card and in spite of my requests whenever we talked on the phone ( today being the most recent ) I have NEVER seen the statement. I filed a complaint with CFPB that resulted in them removing late fees and I did pay the amount to stop the damage to my credit standing but today was told they would not correct the information sent to the credit reporting agencies and again did not offer to send a hard copy of the statement showing what was purchased.

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 06/17/2015 about Debt collection (I do not know) with Van Ru Credit Corporation (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collectors of what sounds to be 'XXXX ' continuously call my phone number for a XXXX XXXX , I am XXXX, with a personal phone, they 've called me numerous times, and have put me on the no call list XXXX times, for 3 years, after a year they keep calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account XXXX which is now Known AS XXXX should be deleted from my Experian credit report.

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 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Debt Management Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I obtained a loan thru XXXX XXXX for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as Nationwide Debt Management. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following Friday. However, the agent ( XXXX XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am XXXX from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello, My name is XXXX XXXX and I attended XXXX College in XXXX Ferry, NY. I took out loans from XXXX and Navient. My Federal Government Loans are with Navient. I believe that XXXX College made me take out to many Government Loans, Sub and Unsub. XXXX College made me take out loans for 3-4 semesters that coast me each semester around $ XXXX- {$16000.00}, when a semester was around {$8000.00}, {$8500.00}. I do n't understand why they charged me so much and also made me take out so many loans when I was also paying half cash. I am now in debt because of the the amount that I borrowed and the interest rate Navient gave me. My father is the co-signer and he has excellent credit and they still gave me a high interest rate. Navient wants per month {$400.00}, but it is expensive for me. I will have to pay more because the interest rate they gave me is to high and I know {$400.00} will only go towards the interest. I will have to send in more for it to go towards my loan. They told me they could lower my payments, but how does that help me? The amount I owe to Navient will take me 30 years to finish paying it off. I need help and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (Credit card) with Credit Corp Solutions Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Collection attempts still being made after chapter XXXX by this specific collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Payday loan, title loan, or personal loan (Title loan) with Manor Resources, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I 'm being threatened with repossession over a {$10.00} late fee. I 've paid it once, because I did set up the payment late. the biggest issue is the interest rate. The rates were presented as 3 % but when I received my paperwork, the interest rate is much higher. I recently paid off any out standing debts that were not included in my bankruptcy 3 years ago. I 'm trying very hard to get back on my feet and they are completely unreasonable. 
I have payments sent via my credit union 's bill payer service and there was a glitch last month. the payment arrived a few days later than scheduled to this error. I provided Turbo Title dba Manor Resources with a letter confirming as such from my credit union and I was again threatened with repossession over it. My payments are always received within a few days of their due date. My due date for the loan changed from middle of the month to the XX/XX/XXXX of each month.I was originally told I could keep my middle of the month pay date as it is better for my budget. I 'm trying to pay this off as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: Chase bank has been charging me ridicioulous fees when I had money in my account but the real reason I 'm filing this complaint is because of bank closing my account and therefore rejecting my federal income taxes. I 'm a single of XXXX who has bills scheduled to withdraw from my account on Monday. My sons birthday party is Sunday and I now have no money to pay for any of that. I 'm being told that it will be an additional 5 weeks to receive a paper check. 5 weeks that I dont have! Because my bank lied to me when I called monay XXXX/XXXX/2017 to verify my account was open and that they can NOT close my account without my permission ( me calling back in to cancel it ). I was told that since I have money in there and pending transactions, my account can not be closed. That my account was not in closing status! Yet now on Friday XXXX/XXXX/2017 I call back to see where my refund money is ( due XXXX/XXXX/2017 ) and they tell me my account was closed and the money was rejected. 
This is fraud, bad consumer practice, and poor customer service. 
Chase feels since they are big bank they can charge and do anything they want and I 'm not standing for it. 
I work hard for my money. To support my children. Provide food, shelter and to pay my bills on time. 
Chase has put undue hardship on myself and my family by lying and doing things without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: Went to Chase bank for a refi. Only Bc of divorce and I need it out of my ex 's name. I only owe 14 years. The original loan was XXXX. I only wanted to refi the balance of XXXX. For 15 years. They took my XXXX. I gave them all the info requested. I have a credit score of XXXX/XXXX. They then need me to come in an sign a letter the mortgage person typed up. Stating that I live in my Condo. Bc I recently married. They had my husband fill out papers as cosigned when I do n't need it. They then asked for a 3 way call with my bank, I was 3 months ahead on my home loan in XXXX. Then they did it again fot a XXXX balance on my XXXX card. Then they had my husband do the same with his bank. Then they call us and make a offer for a higher interest rate then what we agreed on. A whole percent higher. Said they did n't believe I lived there. I said go there my clothes are there ask the management company. They refused and called me a liar. In fact she hung up on me. So I am out of the {$410.00} for the Loan. I can payoff the loan we have in money markets. But the unscubluous practice of Chase bank taking money and then changing the terms to get a higher rate is wrong and should be address. After thinking about it one day I went down to the front desk and asked our security do you keep records of my fob to get in and out of the building he said yes but he did n't know how far back it went. He went back to XXXX 2014. It shows every time I enter or left the building. He printed me a copy of my entrance and exits. I took them to my local bank and showed her and she said she would have the local manager call me. I got nothing from them. I called and left messages with the state of Fla area XXXX XXXX. He never returned my call. I would n't want a loan from them now if they gave it to me. I removed XXXX from my accounts there. And put it in my XXXX credit union. But I feel I should get my {$410.00}. They sent us through all kinds of unnecessary info and we provided it. We did on our end everything and was turned down. Chase should be penalized for taking people money. Yes make it know to everyone do not use Chase to do a refi or get a loan. Please feel free to call me. XXXX typed the letter at the bank and had us sign it. I have XXXX other investment properties that are rented out and I understand about investment and I put my XXXX % down years ago. Why would I rent out my home downtown where I love? Either way property appraiser has already dropped by and inspected for himself. I have his card. Which I told them about the unannounced inspection.

Company response to consumer: Closed with explanation