milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 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: Information is missing that should be on the report

Complaint: XXXX   XXXX   XXXX   XXXX   c ontinues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been contacted by GC Services Limited Partnership regarding student loan acct # XXXX. They are looking for someone with my same first and last name but this is not my debt. I told them as much twice over the phone and also wrote it on their bill voucher which I mailed back twice. 
In the late 1990s this exact thing happened to me, for a student loan debt for XXXX XXXX XXXX in XXXX XXXX. I never attended this school and have never lived in XXXX California. It took years of effort to clean this mistake off my credit report and I 'm concerned someone new purchased this debt and will do it all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (IN).
Issue: Unauthorized transactions/trans. issues

Complaint: My email to RushCard sums it up : I have called and called today about the transactions in XXXX of my cards. My name is XXXX XXXX card ending in XXXX # # # and XXXX # # # both had transfers and I received confirmation via text and email plus online but talking to your reps they do n't all of a sudden show my missing money! 

I 'm very upset about this because. Have been hung up on twice, told that it did n't make sense as if you guys do n't have a glitch on your end. My card went from a successful transfer to showing an {$0.00} bal on card ending in XXXX # # # and my other card XXXX # # # does n't show the {$100.00} added with a new balance of {$100.00} it only shows the {$5.00}. 

I asked to escalate this and I asked for a form and was told I can yell, scream and cry but it 's nothing they show so what am I disputing then hung up on! Please review the calls all XXXX of them today. 

My cell is XXXX # # - # # # # and I have sent my complaint the the attorney general as well as the XXXX and unclerush XXXX XXXX via XXXX publicly about the errors and treatment today over the phone. 

See all attachments as I have also uploaded the screen shots on your web as confirmation that this transferred showed over and over that it was completed and successful. The rep said she did n't see any activity on my card ending in # # XXXX since XXXX XXXX which ca n't be right being that I did a transfer from my card XXXX this morning to my other card and XXXX I tried to transfer it back hours and hours later all said it did via text online and email but yet I do n't have my money it 's not reflecting and has disappeared and no one seems to even see what I 've gotten as alerts about my account! 

Where is my money!!!!!!??????? Call and email me today See attached documents and also see online uploads I sent that message last week and I still have n't gotten any replies or phone calls and my cell phone is off, my utility bill is up for disconnect and my rent have been file eviction on because I can not access my account and I 'm missing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: My prepaid visa card was compromised and someone used my card to make unauthorized transactions. I called BBVA XXXX to inform them of the problem. I file an dispute and was told that my card would have to be block and a new one be ordered. Well after they block my card, they now tell me that I had went over the limit of card replacement and that they could not send me a card and referred me to go to a local Compass Bank. The problem is I am not near a Compass Bank, and I told them that. They advised me that they will escalate this matter to higher up and see if a card could be ship to me and I should hear back from them in 3 to 5 business days. Well that time has come and go and when I call back, they keep giving me the run around, so I ask to close my account and send me my remainder balance via check, and they said ok. Call back three day later and nothing still happen. They are hold my money XXXX and will not give me any alternative to recover my money. They keep lying and giving me open promises to get me off the phone. I have my VA XXXX and unemployment check deposit to this account, but I do n't have any means of recovering my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently opened XXXX XXXX profile. And upon reviewing it I realized it was an account on there that I was not responsible for. Nor did I authorize anyone else to open in my behalf.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help 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 non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
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: Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated XX/XX/XXXX with about XXXX in student loan debt. They were first serviced by XXXX XXXX and I was making intermittent payments at the time because my income just did n't allow me to make the over {$1000.00} a month payment. I went through several forebearances and deferements and then Navient became the servicer. Since then I have tried to get them consolidated or on a lower monthly payment but 2 1/2 years later, I still have payments that I ca n't make and now my debt has increased to over {$77000.00}. What little bit of payments I have been able to make have made no impact and I am still trying to get my loans on a reduced payment plan especially since I had been layed off on XX/XX/XXXX and just went back to work on XX/XX/XXXX. Each time I call Navient they say I was told the wrong steps or the paperwork is n't in the system for the consolidation or the lower payment plan. I never get the same person and I never get the same information. They keep me going in circles so I never know what I should be doing to get things going in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans were consolidated and myconsildation payments started in XXXX, however PhEAA is still actively reporting my loan in default every month as recent as XXXX. I understand the initial default being reported and not coming off for 7 years however they have not updated the report to indicate it is currently consolidated and satisfactory. It still shows as if it is currently in default and is heavily affecting my credit score. This is not acceptable. Please look into this and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ridiculous!!! I have been in review since XXXX XXXX Nobody at BSI Financial , our Servicer, will respond to our requests. When we send documents, we hear NOTHING. They do not respond to us, nor our counselors XXXX, XXXX and XXXX at XXXX XXXX. And DO NOT SAY YOU DO NOT HAVE AUTHORIZATION TO SPEAK TO XXXX AND CLOSE THIS CASE, like you tried to last time. My written authorization is attached. 

XXXX also tried sending our help request to the investor, XXXX and they did n't even bother to respond either. We have so many emails to them sending documents and then following up, and only TWICE has BSI responded to the emails. 

BSI, kept insisting that they never received any of the documents for the modification review. We continued to send the documents that they requested, it 's been over 1 year now. Since the beginning of the modification process they always had an excuse they never received documents for modification review - that or they just do n't respond whatsoever. They clained a HAMP denial letter was sent out as you claim in XXXX due to missing documents, however we have since tried to send back in numerous updated packets and information, which no one fully addresses nor corresponds back with us or the borrower. Getting someone to respond is like pulling teeth to say the very least ( see attached, all emails with NO RESPONSES ). We have reached out to the counselor assigned, XXXX XXXX, numerous times, no one returns our emails or calls. I tried calling three times on XXXX and was placed on about 30 minute hold each time with no answer. Out of desperation, I have also recently emailed reps from the past XXXX XXXX and XXXX XXXX to help, but no response from them either. 
We need a DEDICATED person to be assigned to this case - the people thus far have done nothing to help. Please see attached, just a FEW of the emails we have sent that NOBODY has responded to. PLEASE HELP. Nobody is trying to help. They put us on hold for a very long time, or they do not respond to numerous emails. PLEASE HELP.

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 08-08-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Ocwen made me sign a modification loan that expired in XXXX of 2017. The deal was to pay them {$100000.00}. Of course, I do not have {$100000.00}. Ocwen has been trying to take my house for 10 years. I am exhausted from their harassment. When I first got the loan, 20 some years ago, they kept my first 6 payments. They then kept me in arrears. I did make those payments. My accountant wrote several letters stating that I did make those payments. We have proof that the payments were made. They also put me in foreclosure several years ago when they were n't supposed to. Now they have me in pre- foreclosure going into full foreclosure, because they refuse to give me a modification loan. I lived in my house for 33 years. This should n't be. I am XXXX and do not want to leave my home. I hope you can help me stay in my home. They refused to take my Mortgage payments since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Federal student loan debt) with Automated Collection Services, Inc. (IA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: ACSI is sending solicitations directly to my employer ( see attached ) with predatory and misrepresented statements about a treasury offset and the need to contact the company for a rehabilitation program. I am already being collected upon through garnishment in which the company and student loan provider ( XXXX ) have garnished 15 % of my paycheck for the last 2 1/2 years. They also attempt to collect a consent in the correspondence to provide " express consent '' to contact me personally after a cease and desist has already been requested. They attempted to receive this consent by sending correspondence to my employer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquires listed below are not mines. Didnt authorize these inquiries.

You have 12 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX, I tried the Experian on-line tool to FREEZE my credit XXXX XXXX XXXX XXXX times. I have excellent credit. XXXX times I entered the the correct information and thrice it says they are unable to freeze my credit and to send hard copies of information by certified mail to their mailing address in XXXX, Texas. They were charging me {$10.00} and I entered my credit card information for payment. WHY ARE THEY MAKING IT DIFFICULT TO FREEZ MY CREDIT. THERE IS NO REASON FOR ME TO MAIL CERTIFIED FOR FREEZING MY CREDIT IF IT CAN BE DONE ON-LINE. THIS IS ABSURD AND UN-AMERICAN!!!

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX , EQUIFAX have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -   XXXX     XXXX   -   XXXX   XXXX   XXXX  , were all removed from my reports th en re adde d again, these are not my inquirys these applications were done without my permission.   I have asked  XXXX  several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access (to my credit file XXXX ***********) has been given in writing. No validation of Debts has been given at all XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Due to a depositing error, a check was returned due to non-sufficient funds from my account. However, PNC Bank is trying to double charge me a XXXX fees. XXXX for non-sufficient funds and XXXX for overdraft. Only XXXX of the fees is appropriate. The other is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working on a short sale with US Bank since XXXX, XXXX. All documentation was confirmed received as of XXXX XXXX, XXXX. Per the guidelines, I waited 30 days for a response and did not receive one. I escalated the matter to XXXX XXXX, my point of contact 's supervisor, who stated that he would look into the matter. I followed up with him and cc 'd the negotiator on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I continued to follow up with him on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This has continued into XXXX, on XXXX XXXX and XXXX. I received a phone call on XXXX XXXX and spoke with a representative on XXXX XXXX who stated that they need to start the review over again because the appraisal they conducted in XXXX expired in XXXX, and nobody on their end did anything to order a new one, despite my near constant follow up with the file handler and her supervisor. I am concerned that they in fact did absolutely nothing with the file for over ninety ( 90 ) days, while my client experiences the stress of losing their home and the constant threat of foreclosure. I also have to keep the buyer interested in the transaction, and that is difficult when the lender sits on their hands for three months.

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 05/25/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I hit debris in my car on a n Interstate highw ay on  XXXX   XXXX ,  XXXX  because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding  is 6 cars  were disabled from the trailer debris. My insurer  XXXX   XXXX  had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was  2 h ours from my house after  XXXX  on  XXXX   XXXX ,  XXXX . I incurred expenses and when I contacted  XXXX   XXXX  about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident.  XXXX  was the insurance company of the driver responsible for the accident,  XXXX  stated they had  XXXX  claims from this accident and a limit on pay out so they would divide the payment to all claimants.  XXXX  mailed me a check for {$1600.00} on  XXXX   XXXX   XXXX . I picked up my car from the repair sho p 2 ho urs from my house on  XXXX / XXXX / XXXX  after paying a {$500.00} deductible.  XXXX   XXXX  billed me for cost of repairs of my car on  XXXX / XXXX / XXXX , I sent  XXXX   XXXX  a letter on  XXXX   XXXX ,  XXXX  stating that  XXXX  sent to me a reimbursement check for expenses.  XXXX   XXXX  never responded to my letter and turned it over to the  AFNI Inc coll ection agency in  XXXX  of  XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on  XXXX   XXXX ,  XXXX  stating that I dispute the validity of the debt and aske d AFNI Inc. not  to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc  has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.

Company response to consumer: Closed with explanation