milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 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: Account information incorrect

Complaint: In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX Assistance. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All debts reported by Experian and all reporting agencies are non-existent. I am a Social Security benefit recipient since 2004 and I receive free medical care through XXXX prior to 2004. Any charges greater than XXXX approves are not valid. The decision to pay is made jointly by XXXX & myself, the patient in this case. There is no argument that any medical or related services or products unpaid by XXXX are unauthorized and not valid. The patient ( myself ) did not agree to these products or services at any time. In a Court ordered evaluation the final determination as to payment is made by a consult of patient and Judicial, and then answered by XXXX. Malpractice in medicine is a crime against humanity. Judgments made by emergency room physician ( s ) can never be considered sound. When there is agreement as to unnecessary use of medical products and services, we do not reimburse the physician due to grave hardships which include death ( s ) of the patient. .All medical emergency cases are equal in nature. Regarding medical practices other than emergencies, persons have the right to pursue happiness, but they must be CONSENTING ADULTS. I AM NOT A CONSENTING ADULT IN ANY PRACTICES OTHER THAN EMERGENCY LIFE, IN WHICH CASE I AM PROVIDED FOR BY MY FAMILY OF DOCTORS AND THEIR PRODUCTS ONLY. IT IS NOT POSSIBLE TO APPROVE ANY PAID EMERGENCY TREATMENTS OTHER THAN THOSE ENFORCED BY THE CIRCUIT COURT SYSTEMS FOR EVALUATIONS ON CRIMINAL TRIAL MATTERS. TRIAL EVALUATIONS DO NOT REQUIRE TREATMENT, I.E. THEY ARE A BRIEF INTERVIEW ABOUT COMPETANCY AND ARE SERVED IN THE PRIVATE OFFICES OF AUTHORISED CONSULTS.

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 08-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen held our insurance proceeds checks from an XXXX 2015 hail storm which caused damage our home. We have submitted all checks and the requested documentation, other than the certificate of completion, to Ocwen 's Insurance Loss Department. We have also received an inspection - from their inspector - indicating that the repairs are 90 % complete. Ocwen continuously indicates that they are also missing an acknowledgement form ; but, they agree that the fax number and loan number we are using in our multiple faxes containing the 'missing ' acknowledgement form are correct. They refuse to give an email or other method for delivery. They also returned XXXX of the small insurance checks to us, with a letter indicating they had endorsed them - but, they had not. We are now incurring the yet another overnight delivery cost to send the checks back, in the hopes that they will endorse them and return them to me in a timely manner, so that I can make payments for some of the minor repairs. They refuse, however, to return our {$20000.00} check, even though their policy is to release the funds at XXXX % completion. Which, as referenced above, has been verified by THEIR inspector. On our most recent call, they have asked us to now sign a certificate of completion, certifying that all repairs have been made and the property has been restored to the condition existing prior to the damage. I explained to them that per their inspector, the repairs are only XXXX % complete. They refuse, however, to release the funds without the certification. At this point, our contractor has been without payment for the roof and gutters for several months and each time I call, Ocwen tells me there is nothing they can do, other than submit the forms, wait another XXXX business hours for their system to update, and call back.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, XXXX, and Transunion in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set forXX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX  and XXXX where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your 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 non-monetary relief
Consumer complaint received 10-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Credit card protection / Debt protection

Complaint: You Bank of America are grossly misinterpreting the order of XXXX XXXX, 2014, signed by XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ), File Number XXXX, regarding Bank of America 's ( BofA ) Credit Protection Plan that I was enrolled in to " protect my credit ''. The CFPB is making all customers like me whole again. This means all fees and interests accrued as a result of BofA 's mishandling of these accounts are to be deleted from the credit reports. That is what I am requesting. I am stating exactly what the language is in Paragraph XXXX of File Number XXXX, and I quote : " With respect to any Credit Protection and Identify Protection Eligible Customer 's Account that receives redress as a credit that decreases the existing balance or charged-off balance, the Bank shall, as permitted by law and in accordance with existing procedures : ( b ) delete the account trade line at each credit reporting agency to which the Bank had previously furnished balance information for the account. '' End quote. So please delete XXXX ( {$320.00} ) regarding me from all Credit Reporting Agencies ASAP. The balance that you BofA are continuing to report to the Credit Reporting Agencies is pure and simple illegal and a gross miscarriage of justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MS).
Issue: Fraud or scam

Complaint: I send XXXX dollars to buy a phone of a buy sell app called XXXX and as soon as I send the money I was blocked the person I send it to name was XXXX XXXX well that is what he said his email was XXXX he send pictures of the phone he wanted have up front and the other when I receive the phone he was supposed to mail after he got he the money today but have not heard from him since he has totally blocked me want answer please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited {$210.00} cash in the ATM at the US Bank XXXX branch in XXXX XXXX. The machine had an error and was unable to process my deposit and printed an error receipt. Calling customer service and the branch was useless. The branch would redirect me to the XXXX ( XXXX ) which would tell me to call the branch. They are telling me 10 business days until I can access my funds. How can they take my money? I am overdrafted and bills are now past due. I 'm being charged late fees from my creditors and this negatively affects my credit score.

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 11-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other

Complaint: I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I do n't know how they can justify destroying my credit by stating that I was XXXX and 60 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX, XXXX and XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 sent a formal complaint regarding 8 inaccurate credit accounts via certified mail through the USPS on  XX/XX/XXXX. I received notice the organization in question received the certified letter in XX/XX/XXXX. On XX/XX/XXXX I sent another letter via certified facsimile stating the 30 day investigation period had passed and the listed accounts needed to be removed. The organization removed the accounts in XX/XX/XXXX but re-inserted the same accounts on XX/XX/XXXX. I waited over 30 days for a response as to why and no response was given. On XX/XX/XXXX I sent another letter addressing the removal of the inaccuracies and the failure to provide an explanation for the re-insertion after removing the information at first. It is now XX/XX/XXXX and 30 days have passed and I have sent another letter addressing the failure to respond within the applicable timeframe as well as the violation they have committed due to not providing notification nor explanation to the re-insertion of the inaccurate information and have yet to receive any notification that the inaccurate information has been removed. I have facsimile confirmations showing proof that all correspondence was sent successfully.

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 01/19/2017 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have called on several occasions asking for a reasonable payment option to pay my loans. My loans are only XXXX but as a single mom I could not afford the payment of XXXX a month to pay my loans without a hardship. My loans have gone in to default and they tarnish my credit because I am unable to get a reasonable arrangement.

Company response to consumer: Closed
Consumer complaint received 02/23/2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I see multiple inquiries on my XXXX credit report I did not authorize.I called the agencies listed and they state they did not run these inquiries.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to adequately protect my personal data when it submitted itself to a cyber security breach earlier this year. This puts myself and many others at risk of identity theft, potentially affecting my credit rating. Additionally, Equifax failed to notify me that my data was stolen in a timely manner, as the breach occurred during the XXXX - XXXX 2017 time frame. I have confirmed that I am affected using the free impact service Equifax provided.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: It is my understanding that when a federal holidays falls on a friday that transactions should post on the business day. Having said that, Chase charged me an NSF fee on friday XXXX XXXX, when banks were observing Veterans Day, which should have allowed all my transactions to come through over the weekend and should have all posted officially on Monday, XXXX XXXX. I opted for the overdraft protection in the past, so normally i would make a deposit before the end of the business day to cover my balances and transactions, so to my surprise i found i was charged a fee of {$34.00} on XXXX XXXX, which is when the banks were observing XXXX day. I contacted Chase and they refused to assist me and actually stated they have internal policies and chose to observe XXXX XXXX on Saturday alone and that they would not help me. Please help me resolve this issue since this really is an unfair practice for them to charge fees on extended weekends when all other banks gave their customers the proper procedures and opportunities to bring their accounts current. I should not have been given this fee based on the fact that it posted on a long federal holiday weekend and transactions should have posted on Monday, like all banks did. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Transunion and XXXX regarding to let them know that my XXXX account has been completely removed from my credit report. This is an account that was paid on time for over one year, and each payment was reported by the utility company. When the account was removed from those credit report agencies my credit score dropped about XXXXpoints, so I called both of them to ask why this happened. They told me to call the gas company and find out what happened. I called the gas company and they told me to call the credit bureau because they never asked for anything to be removed from my credit report. This has never happened to me before, and it has affected my ability to obtain a new apartment because of the drop in my credit score. I would like to know what I can do about this.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in contact with Equifax for the last few months attempting to get this inaccurate first commerce Account off my credit. 

XXXX and XXXX  has removed this inaccurate account. I have sent Equifax a letter from the first commerce stating the account was incorrect and it was an error. I have asked Equifax for supporting documents such as permissible purpose and original contract with my signature on it. They have not provided me with anything. I sent Equifax an affidavit along with information from first commerce with the company heading and logo stating this account was inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a coupon by mail to ope n Chase checking and savings account with {$500.00} bonus. For savings account I was supposed to deposit {$15000.00} and for checking I needed to setup direct deposit. I have fulfilled all requirements, however right after that Chase changed its rules, and now I have to set up direct deposit from specific vendors. When I opened the account I specifically verified whether they accept any direct deposit, and the answer was " Yes '', and now they say that if my direct deposit not coming from SSA or an y government, it does n't count. Also, I advised them, that my direct deposit is coming from payroll, and I am a   XXXX   getting paid for   XXXX  , but they would not accept it. I 'm   XXXX   XXXX  , and I get very   XXXX    when people play games with me in order to make me feel miserable. I feel like I have to start a class action suit or hire an injury lawyer for driving me to  XXXX  with constantly changing rules and meaningless mind games. I want people to know that Chase is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A company by the name of Midland Credit keeps calling me about a debt that I am not a party to. Initially they were calling me cell phone number, and I believe they may still be calling my cell phone although I have asked them not too. Even after telling them I am not the debtor, they continue to tell me all of the details of the debt. They have disclosed the total amount of the debt, that the debt is for a credit cards with XXXX XXXX, etc. they call several times a day, every day. The debtor is my spouse XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Transaction issue

Complaint: I requested my financial institution to remit a credit card payment on XX/XX/2016 to CITI Financial for a payment that was due XX/XX/2016 however, because of their system, they did n't process it until XX/XX/2016 and charged me a late fee. I fulfilled my obligation to make the payment timely yet the explanation I received was that I need to remit payments a whole week before the due date because their system may take 5-7 business days to process a payment. This violates contract law and does n't make sense that I 'm held accountable due to a financial institutions inability to process payments timely. Also, payment processing should not take this long.

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