milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX i visited XXXX XXXX in XXXX Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of 11 times. Which drastically lowered my credit score! Reading FCRA it states automobile inqiries within a 14 day period shall count as 1. XXXX, XXXX  and eqifax are all reporting each individual inquiry, which in turn harmed my credit score. I have already filed complaint against the dealership for going against my wishes. The time between XX/XX/XXXX to XX/XX/XXXX my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am currently on a long term modification with AES that is the servicer of the loan that was taken out by XXXX/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact XXXX becasue AES has been contracted now and they do not service them. I need help with repayment and there has to be another way to lower these payments or keep them the way they are. My credit score from these loans is already affecting me and can not consolidate or do anything. This is really un-fair that they are doing these to me when I want to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from

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

Complaint: NAVIENT, since I 've been associated with them since XX/XX/2003, has always deceived me and made payments impossible. Their deceptive and predatory tactics have caused me to go into default and unable to obtain a federal PLUS loan to complete my graduate education. Furthermore, when I was receiving XXXX, I was constantly harassed by " customer service reps '' that Navient can and will take money from my XXXX. This is n't just a problem for the elderly but also the XXXX who do n't have a voice. I am unable to secure housing and will be homeless in the future as felons, especially registered XXXX offenders, have easier than ever access to affordable housing no matter their credit situation with special government programs that overlook their credit and criminal histories. I made many attempts to make reasonable payments to NAVIENT who repeatedly refused them and told me if it was n't the full payment I would still go into default. Everytime I call them to discuss payment options they have refused and told me good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Auto debt) with Kohn Law Firm S.C. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is in regards to a loan that has since received a default judgment against my husband and myself.  The loan was originally for XXXX, signed in XX/XX/XXXX.  The debt was paid down to below $30000 when this was sent to court and now has accumulated to over $57000.  We lost our business in XX/XX/XXXX, where shortly after my husband moved to XXXX to work.  Shortly thereafter, we separated and I moved to XXXX to help take care of a grandmother who was in the late stages oXXXX XXXX.  She XXXX in late XXXX and I moved back to XXXX in XX/XX/XXXX.  Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from XXXX XXXX to an attorney who filed a judgment against us in XX/XX/XXXX.  They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time.  Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to Kohn law firm in XX/XX/XXXX.  We were NEVER sent any paperwork on this account when it was sent to either collection agency!  The only time I knew about Kohn law firm handling this case was when they stated garnishment proceedings on my husband in XX/XX/XXXX.  I did not know then that we could send a verification letter to these companies to verify the debt with them and now Kohn law firm says that I am entitled to a verifaction letter as it is past the 30 days notification!  How can that be when they never sent a letter to us regarding this debt?!!!  I have sent all information to the judge handling the case as well but nothing has been done.  This is not right and I would like something looked into regarding this.  I should be entitled to a verification of the debt from Kohn as well as XXXX, yet neither one will give this information!!!!  Kohn law firm continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Home mortgage was applied for as a Department of XXXX ( XXXX ) loan in XX/XX/2009 when I was still on XXXX and was, to my knowledge, a XXXX loan. When I tried to refinance the mortgage under a XXXX it was discovered through more than XXXX months of research and hours of telephonic conversations, the mortgage was never turned over to the Department of XXXX, as the attached closing documents would lead to believe, by the mortgage lien holder ( Bank of America ). When I pushed the issue forward with Bank of America and requested they make their mistake right, within 30 days my mortgage was sold to another lien holder ( XXXX ). After further research with XXXX I was told they ( XXXX ) purchased multiple of these XXXX but not XXXX loans from Bank of America.

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 05-02-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: RE : REGIONS BANK I AM WRITING REGARDING THE ERRORS AND ENORMOUS OVERDRAFT CHARGES NOTED ON MY ACCOUNT AND THE CONFUSING MANNAER IN WHICH THE PERIODIC STATEMENTS WERE DESIGNED DURING THAT TIME [ 2012 ] .THIS ONE PARTICULAR ISSUE OCCURED IN XXXX 2012, AN ATTEMPT TO RESOLVE THIS ISSUE WAS DISCUSSED AT XXXX BANKS.I WANTED TO KNOW WHERE THE MONEY WENT AND IF THE EXCESS FUNDS WERE CREDITED TO MY ACCOUNT.MAY XXXX A CHECK WAS WRITTEN FOR $ XXXX.ACCORDING THE BANK STAFF THE CHECK DID NOT CLEAR.ACCORDING TO XXXX XXXX XXXX XXXX WAS PAID {$530.00} ON XX/XX/2012.THIS WAS DONE TO PAY THEIR CHARGES AND {$30.00} FEE.ACCORDING TO THE BANK STAFF THE MONEY WAS NOT PD UNTIL XX/XX/XXXX..THERE WER SEVERALDIFFERENT STATEMENTS THAT REFLECTED THIS TRANSACTION DURING THE PERION XX/XX/XXXX THRUI XX/XX/XXXX.ON XXXX/XXXX/2012 I WAS INSTRUCTED TO DEPOSIT {$600.00} PLUS {$20.00}, BY BANK SAYING THIS WOULD CLEAR UP THE XXXX XXXX XXXX HAD BEEN PAID. 
OTHER ISSUES REGARDING NON-SUFFICIENT FUNDS WHEN THE FUND WERE AVAILABLE..THERE WERE OTHER CHARGES AT VARIOUS TIME EVENTHOUGH THE FUNDS WERE AVAILABLE.AT ONE POINT THE NEGATIVE FEES AMOUNTED TO $ XXXX.THIS WAS A CONTINOUS EFFORT OF EXTRA CHARGES. 
MOST OF MY DEPOSITS OCCURS DURING XX/XX/XXXX THRU XX/XX/XXXX. I ATTEMPTED TO BALANCE MY BOOKS PRIOR TO ANY PAYMENTS.I DID SEND A DETAILED LETTER TO REGIONS BANK XXXX XXXX XXXX XXXX, AL XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed a dispute regarding two old tax liens but was told information is accurate. They have been removed by XXXX and XXXX but TransUnion is still showing them. One from tax year XXXX ( showing as reported in XXXX ) the other is from tax year XXXX ( showing reported in XXXX ). Both have been paid. <P/>According to NYS law - N.Y. GBS. LAW 380-j : NY Code - Section 380-J : Prohibited information ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. ( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; Therefore - both of these are satisfied as paid within 5 years and entry date more than 5 years prior. I believe these should both be removed from the remaining 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 04/19/2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I was called by a company called prosper loan by  XXXX   XXXX  and accountant  XXXX    XXXX   phone #  XXXX  or  XXXX  from email  XXXX  XXXX  XXXX . Due to my ignorance of the scam about to happen. I was told I was approved for a loan. During this time I was homless with and infant and father had just passed in desperation for help I called them and was asked to purchase I tunes cards or  XXXX  gift cards. As it fallows I did they sent me what I thought were legal document. Then they told me to call and see i had funds i did. Then they told me that if I didnt return there funds i would get reported to the FTC. That made me nervous. Did not really think anything of it until I called the real company and asked for a update on my loan 3 days later after I tired to pay for a safe place to stay. my card was declined and account frozen due to unusual activity.? I was notified that they did not approve a loan that I had not even applied. Now I am in a bind do n't know what to do do n't have any money to get help. And far worse then when I was.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Federal student loan servicing) with ACS Education Services (SD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: ACS sent me a XXXX which I do not recall when I received it. Around the XX/XX/XXXX I received a letter from the IRS saying that I owed {$890.00} in taxes from my XXXX taxes due to the XXXX. I had spoke to our tax lady and she said that I needed to find out why I received the XXXX. That ACS must have filed the wrong paperwork. Within a two days I located the XXXX and called ACS. On the phone the lady said, " We knew that the IRS would think that we sent you a check for {$3000.00} and we were waiting for you to get paperwork so you could send it to us. '' I said something like I do n't understand, this does n't seem right. She explained that in XXXX of XXXX there was an audit on my account and they lowered my principle balance by {$3000.00} and that is what the XXXX is for. She said, " When you send us the paperwork we will send you a check. '' I restated that this does n't seem right. How can I pay taxes on money I did n't get. She said that is just how they do things. I said that It 's not right and then asked if they were going to just pay the taxes or send a check for the full amount. She said, " No, the check will be for the whole amount. '' I said, " So you are sending me a check for over {$3000.00}. '' She said, " Yes, for {$3000.00}. '' I again said this does n't make any sense. Within a couple days I emailed a copy of the IRS papers showing what we owed for taxes. On XX/XX/XXXX I called to find out what was going on. It was a different lady on the phone. She looked up the records and said, " A check was cut for {$890.00} and yesterday. '' I explained to her the conversation that I had with the first lady. This lady said no, I am sorry that you were told that. We just pay the taxes. I questioned how it was right to pay taxes on money that I did not receive. She said that is how we do things. I again stated that this is not right. I received a check on the XXXX XXXX for {$890.00}. This did not cover all that it cost me to fix this issue. There were fees from the IRS for paying with a credit card. I felt I had to pay it with a credit card so that there would not be any additional late charges. I am wondering what kind of tax relief or break they received from IRS to be able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't contact lender

Complaint: I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan with Navient and was told that my enrollment in a rate reduction based on my lower income situation was set to expire. When I contacted Navient and explained that I was in lay off status from my seasonal job with the XXXX XXXX XXXX, was married and responsible for XXXX children, and could not afford to have my payments doubled, the representative acccused me of lying and asked if I was getting some other income, I requested to speak with a supervisor, who told me they do not offer any such thing as an income based rate reduction and that a decision to approve or deny my request was based on a Navient representatives personal discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a dispute to transunion on XX/XX/XXXX disputing an XXXX XXXX ( Docket # XXXX ) which was being reported on my credit report. Once I submitted this dispute via mail I also sent on on XX/XX/XXXX via FAX. I did n't get any feedback from Transunion so on XX/XX/XXXX I filed a complaint with the CFPB in regards to the matter. Once said CFPB complaint was filed I sent them a copy of the CFPB complaint and original dispute letter via fax and U.S. Mail. On XX/XX/XXXX they sent a response via the CFPB that the Bankruptcy and XXXX XXXX in the amount of {$50000.00} were both removed and no longer reporting on my credit report and that in 5 to 7 business days I would have an official letter from Transunion stating such. I decided to contact Transunion to confirm said response as on XX/XX/XXXX I applied for a loan only to find out both were still being reported. So I contacted Transunion on XX/XX/XXXX and was on the phone for well over 40 minutes only to find out that the items were not being even investigated. I then faxed a copy of the dispute to them. On the call they stated I have not sent in a specific letter which is untrue.

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 12-07-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XX/XX/XXXX. They claim that I owe a doctor for services rendered on XX/XX/XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!

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 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (NJ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. Experian and XXXX stilled refused to remove account from my credit profile. I reached out to penfed again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still Experian and XXXX still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called XXXX onXX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX ) and he assured me the account was deleted as ofXX/XX/XXXX and said I should buy the XXXX   credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/ the XXXX XXXX account was still showing. I called back on XX/XX/ and spoke with Account manager XXXX ( ID # XXXX ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. Experian has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX account be deleted immediately from Experian and XXXX as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.

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