milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: The Experian & XXXX processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at Experian, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the XXXX  and Experian online processes yesterday on XXXX XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by Experian that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

XXXX says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at Experian. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX up processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I switched over to XXXX servicing because I qualify under the public service forgiveness loan. I spoke to several representatives from navient assuring me that all my payments from XX/XX/2015 would count towards the forgiveness. Well I was told my XXXX that I had to change my payment status. So I redid my information and was told of my new payment but that none of my payments from navient would count for the forgiveness loan. Navient assured me it would. Now 2 years of payments meant nothing for the forgiveness. I would like that rectify since the only way I will go income base with XXXX is if my payments from XX/XX/2015 count towards the forgiveness of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX states I opened an account for a landline in my home but we already had a landline. I asked them to send me papers showing where I had requested this line and they never did, they said someone from my house requested the line. I asked them to remove the incorrect information from my credit report, now they have sold the account to Debt Recovery Solutions. Acct # XXXX. {$98.00} This information is affecting my security clearance with my job and I need proof that I requested this line be installed or I need them to remove it from my 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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit 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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XX/XX/2012, {$8900.00} ... incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have complained against them previously under claim # XXXX. When it showed up under my XXXX report, and now it is on my XXXX report. They have been told any credit dept was filed under XXXX of XXXX bankruptcies doc # 's were given. They say this is a new account from 2012, the name they say it was opened under is my married name. I was n't married in 2012 I was n't even with my husband in 2012. Company has never contacted me in fashion. I only found out about this account since I check my credit reports every year. I put a fraud alert on my credit accounts after the 1st episode which is how I found out about the 2nd incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Payday loan () with Professional Credit Management, Inc (AR).
Issue: Can't contact lender

Complaint: I have received several phone calls from a debt collector mentioned above. They state that a payday loan was taken out in XX/XX/XXXX and that the balance of this loan has not been paid off and has been sent to them for collection. I have no records of taking out any pay day loans at that time and no documentation of a due or past due loan. The representative informed me that they are trying to collect this debt and that if I do not pay the settlement through them, I be summoned to appear in court and be responsible for the full amount of the debt plus legal fees. I explained to them that since I have no recollection of taking out this payday loan, that I would require documentation specifically stating the exact loan and its current status before moving any further on this matter. I received my XXXX call on XX/XX/XXXX and have not received any documentation to this point. 
This collection agency has also started calling my family

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Non-federal student loan) with Capital Management Services, LP (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with United Collection Bureau, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: They claim I owe for merchandise I do n't remember ordering and never received from CA and IN. 
XX/XX/XXXX, company name : XXXX XXXX and XX/XX/XXXX, company name : XXXX XXXX XXXX . 
Original amounts : {$92.00} and {$97.00}, which as ofXX/XX/XXXX, the total comes up to {$270.00}, including other charges, penalties, interest, etc. 
I have repeatedly informed them I never received this merchandise, and they keep on sending mail, and I keep on receiving constant telephone calls. 
I have asked them to provide proof of anything ordered by me with my signature affixed to any purchase order, or something similar, and they have not complied with that request, due to the fact that there is no such paperwork in existence. 


































































4

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a XXXX improvement loan from XXXX which now has split into XXXX companies XXXX and Navient. My loan was moved over to Navient. As per their instructions I use the new loan number supplied to pay my loan monthly through my online bill pay. On the last three months I get statement that have late fee penalties stating that my loan is delinquent when the loan was paid before it was due. My bank statements show that Navient withdrew the funds, but when I go online and look at my account it still shows delinquent. I tried speaking with their customer service and they stated that they did not receive the payment when my bank shows a payment to them for {$60.00} on XXXX/XXXX/15 the loan was not due until XXXX/XXXX/15. The same thing happened the previous month and it took repeated phone calls to get the matter cleared up and the late fees refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX,2017 I went to XXXX XXXX XXXX to pay my monthly bill of {$170.00}. Once inside, the man had trouble processing my debit card. On the 3rd try, it finally went thru. I then went to XXXX to buy groceries for supper and my card was declined. Needless to say i was ticked because i knew i had available funds in my account. Then it occurred to me that the monthly fee at the storage facility might have hit my account 3 times.I went home, got online and printed a transaction report which indeed did show that Wells Fargo hit my account 3 times for the {$170.00}, an overcharge of {$340.00}, and a negative balance of {$110.00}. I went back to XXXX XXXX XXXX and explained what had happened. He checked their computer records and it showed that they had only received the one payment. We then got on the phone calling the customer service telephone number on the back of my debit card. After waiting some length of time and repeating my information 3 times, I finally was able to speak to someone in the claims dept. He checked my account and also saw the 2 additional charges of {$170.00} each. He said that he would have it credited to my account in about an hour. Thank you, this happened.
Yesterday I received an email from Wells Fargo that my account had reached a XXXX balance or less. I checked my online statement and they had reversed the credit of {$340.00}, giving me a negative balance of {$290.00}. My online statement only showed the one charge of {$170.00} and a credit of {$340.00}, thus, they reversed the credit. The guy in the claims dept. saw the overcharges in XX/XX/XXXX. If he did n't, why would he give me the credit in the first place.
I called the Wells Fargo customer service line and received the same answer over and over that only one charge of {$170.00} and the credit were shown. That 's not what happened.I was speaking to an argumentative and deaf ear! I then went to the XXXX XXXX XXXX branch of Wells Fargo and spoke with a banker who gave me the same answer. It did n't matter that I showed her the transaction report that she never looked at lying on her desk. Another deaf ear. I guess she was n't too concerned since it was n't her money.I am on Social Security and this {$340.00} is 1/3 of my monthly income. I guess " Customer Service '' is truly dead. Computers are only as good as the people who use them and the software they are using. Mistakes happen and this is one of them! It may not have posted on your end, but it sure posted and deducted on my end! I have never had to deal with an issue like this in the many years I have been with Wells Fargo/Wachovia and treated with such indifference. Maybe time for a change!

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 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I received a notice in the mail from Enhanced Recovery Company , LLC stating that they were collecting a balance of {$710.00} that I owed on a XXXX account. I called this company at XXXX and spoke to XXXX XXXX, who verified my demographic information and social security number. I told her that I never had a XXXX account. She then told me I needed to complete a fraud package which she mailed to me. I went to the police to file a report on this. The PA state police called XXXX and verified that I never had a XXXX account. The Officer informed me that this collection agency is a fraud as the XXXX logo on the paperwork they sent me was counterfeit. I was advised to report this incident to FTC who referred me to this web site.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I just received notification that this account was added to my credit report. I did not receive a dunning letter. The address that they are reporting is not my address and I have never lived at that address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose prepaid card) with CARD Corporation (FL).
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint: On Tuesday XX/XX/XXXX, my wallet was stolen from work, so I call Card.com to cancel my card as well as order a new one. It offered me the option of overnight 1 business day mailing for {$29.00}. However, after calling today I was told that I would not be receiving my card until Tuesday XX/XX/XXXX, which is unacceptable. They took my money based on the perception of a next business day delivery. I even called back and recorded the IVR given this deceptive information. I would like them to be accountable for the promises they make and return my money as they did not provide the service expected. I spoke with a supervisor by the name of XXXX with employee number XXXX, he stated that they never offered overnight service and my card had been sent XXXX using 3 day mail, although their IVR states differently. This is an unfair business practice and they need to be called out on it. Complaint is against Card.com thier customer service contact is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2018 about Mortgage (Other type of mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (IL).
Issue: Trouble during payment process

Complaint: Franklin American decided to do a maintenance upgrade during the repayment window they give you to not be late. I tried to make the payment but the online and phone system was offline which did not allow me or other borrowers to have the full window to make the payment. I sent an email request to have the late fee removed but they did not. 

Maybe this was an oversight on their part but this is almost like the XXXX issue when the payments were delayed to increase interest or cause late fees. I might be one of thousands that have a mortgage with Franklin America that experienced the same issue when they took down there system down during the allowed repayment time.

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 09-06-2016 about Bank account or service (Other bank product/service) with STATE FARM BANK, FSB (CA).
Issue: Account opening, closing, or management

Complaint: State Farm Bank is not allowing me to aggregate my data from other bank sites/portals where I manage my finances. For example, I manage my personal finances from sites such as XXXX XXXX and XXXX XXXX XXXX. These sites offer personal financial management tools and seeing all of my financial sites in XXXX location is beneficial to me. I recently learned that State Farm Bank is blocking a financial aggregator which powers these online portals.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (I do not know) with Aargon Agency, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Aargon Collections ( XXXX ) calls my work line ( XXXX ) on a daily basis. They ask for someone who is n't mean and I do n't know. I have used the automated system to say it 's not me. I have told numerous live operators it 's not me. Yet they still call. I talked to them again Friday and warned them I 'd file a complaint if they called again. They too promised I 'd be taken off the list, and yet I got another call today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/18/2015 about Consumer Loan (Vehicle lease) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: FIFTH THIRD BANK-XXXX. XXXX XXXX XXXX MD XXXX, OH-XXXX ( XXXX ) XXXXItems was removed during successful dispute. Fifth third then put back on credit report and duplicated the account. Now shows two accounts. This is preventing me from obtaining loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted documentation in an attempt to have our mortgage modified so that we could pull out of the Chapter XXXX Bankruptcy that we are currently in. We have made XXXX regular mortgage payments to the lender as well as XXXX payment to the Bankruptcy Trustee since entering Bankruptcy, and we 're trying to have the mortgage modified. We 've sent all of the financial documentation they 've requested and each time we submit paperwork we 're being told something is missing. We 've made several calls to the company to find out who is working on our request so that we can fax what they 're requesting and then follow up the fax with a phone call, but they refuse to provide us the full name of the person supposedly working on the request, and they refuse to give out that person 's direct extension phone number as well. They will only provide a first name of who is supposedly reviewing our paperwork and a fax number. Then when I request to speak with a supervisor they refuse to provide the supervisor 's name or extension they only transfer you to a voicemail. I do n't feel they are acting in good faith on our request and are engaging in fraudulent lending practices.

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 02/19/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so.

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