milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I decided to sign up for automatic debit payments for my monthly student loan payments through the XXXX website. I applied and then the next time I logged in to my account, I noticed that the amount due said {$0.00}. I called and was told that I was put on an automatic forbearance when I applied for their automatic debit payment system. I do not recall that being disclosed anywhere when I signed up. I asked if this forbearance was going towards my total amount of forbearance available on my loans and whether the interest was being capitalized and the representative stated no. Therefore, my XXXX payment is now in forbearance and being skipped, for purposes of a payment as well as for my 120 payments for the Public Sector Loan Forgiveness, delaying my eligibility. Also, no where on the website where I log in to view my account does it state that my account is in forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mid-America Accounts Control Bureau, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX 2016 Mid America Accounts Control Bureau began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with Mid America Accounts Control Bureau innacuratley reporting and still as of today XXXX showing i owe this amount on my XXXX report although XXXX XXXX advised them and they promised they would take it off my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I called the automated number  XXXX  and was denied a report by normal means. They are circumventing the rules. The system is set up force you to pay for your free copy because it does not answer when prompting for your free copy.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate n reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 06-07-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I were relocated for his work. I had tried to sell our home several times but the town it is located in has become very rundown and values have plunged. We decided to rent it out, which worked for a few years but we were still having to pay in to make the mortgage payments. Finally we decided we could no longer try to keep this house, and we live across the country so I submitted the paperwork for a DIL. After 3 months, we were denied, at first Ocwen said it was because we had not missed any payments - which we had, then the story changed when I contacted Ocwen 's XXXX. I was told they reviewed the file and that it was concluded we made enough to pay the mortgage. They based this on a XXXX monthly gross income and a XXXX monthly debt..I requested they send me the guidelines that stated this was a sufficient DTI to live on. After reviewing the numbers we sent in, I noticed my husband actually forgot to include some of our debt.. so now I have to resubmit again, which I have no problem with, but I do not feel that was a legitimate reason for denial, as a family of XXXX can not make it on the numbers we were denied on. Ocwen did this before when I applied for modification of the loan back in 2010, every 3 months they were telling us we needed to resubmit information- that went on for a year before I was able to get the ombudsman to intervene. This time around though, I do not feel the ombudsman is working to help me, the consumer, at all. This is a cat and mouse game to see if they can wear you down. I would rather have a DIL than a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Medical) with Credit Bureau of Carbon County (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by phone by the Collection Center of Wyoming regarding accounts that were not mine that they were claiming were. These accounts were in the name of XXXX XXXX, and were medical bills in XXXX Wyoming and a cable bill in the same name at the same location. These accounts were old and I have never been contacted about them before now. I was an XXXX but divorced and changed my name in 2001 ; I have also never been to XXXX. I called the hospital that reported the debts ; these accounts do not match my social security number, middle name, or date of birth. The hospital called to remove this from my record. The collection agency also removed the cable bill. This collection agency did report XXXX medical bills to the credit bureaus before they contacted me about them. I was told that these were corrected but today are still showing on my reports. As I am planning to purchase a car this weekend, I again contacted them. They said they could write a letter that I can give to the dealership but it has to be approved by several people before they can get it to me and it could take several days. They should have verified that all information on the debts matched mine before this was ever reported to the credit bureaus. I should have also been contacted long before it was reported if they believed it to be me. I have never received any written communication regarding these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: XX/XX/XXXX - Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I closed my account out with Wells Fargo Bank. I was upset because of a previous charge that was deducted out of my account. 

I advised the lady who closed my account that I had XXXX outstanding checks and that I was going to contact them and make payment arrangements. She then gave me the money in my account and when I walked out the door I assumed my account was closed. 

I opened up an account with XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015 Wells Fargo Bank took a direct deposit into my closed account and deducted {$35.00} check fee and paid XXXX XXXX {$200.00}. This account was closed on XX/XX/XXXX. How come they took this money out? 

I went directly to the bank and talked with the manager. She advised me that my account was not closed and they had tried to contact me earlier. I never received any phone call and I have my phone on all the time because of the work I do. She was very rued and told me that my account is opened and to check back the next day to see if it was closed. 

Wells Fargo Bank took money that did not belong to them if they paid this check then they should of contacted me for the money not take it out of a direct deposit made by mistake to a closed account ... 

I feel Wells Fargo stole my money. I was late on rent and I could not cook xmas dinner for my family this left me in so much distress. It was horrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: I financed a vehicle through American Honda Financial Services. I feel they are very discriminatory towards minorities my race XXXX. A XXXX supervisor that I spoke to would not provide me the opportunity to explain my situtaion and refused " I explained to her I felt like they were discriminatory via-phone conversation. I fell behind on XXXX payments due to my grand babies death and child 's burial expenses as I stated in several conversations. I also advised her I would provide documentation. Payments are due the XXXX of every month ; however my last payment was XX/XX/2016 and I was going to make a additional payment by XX/XX/2016. American Honda repo my vehicle before I could even discuss my account. A couple of weeks pass and I received a letter from XX/XX/2016 from your office in a settlement agreement. In which is how I feel with this company I will never use again as a minority I feel American Honda provides unfair practices towards minorities. Furthermore, I was able to pay off the loan. My bank contacted American Honda and was advised they would release the vehicle verbally. I also contacted American Honda and was advised the same thing. American Honda mentioned they would release the vehicle after a couple of days the tow company said they had not released vehicle so once again I contacted American Honda and they mentioned they needed the check in their office in order to release the vehicle. " My question why did n't they explain that to my bank and or me the first time we contacted American Honda. Now I accrued more fees with the towing company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a collection which is unknown to me and I do not owe any medical bills, again I have disputed with no validation or evidence was sent to me please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They Threaten to arrest, and receiving at least XXXX calls a day for several months. I programmed my home phone to block the call but the phone calls still ring. We have not received any of their letters in the mail. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Credit line increase/decrease

Complaint: We have a Sams Club Credit Card ( Synchrony Bank ) and they have a practice of lowering your credit limit after running random credit checks. Doing this continues to negatively impact our credit. For example, we may have a credit limit of {$1800.00} with a balance of {$1600.00}. After a random credit check, Synchrony lowers our credit limit to {$1600.00}. To those looking at this account, if now looks like we are over our limit, which can negatively impact our credit score or be seen negatively to someone if we were looking for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY ().
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: American Express customer services phones almost always after  XXXX . They most always never leave a message and when they have left one they ask me to phone them on a  XXXX  #. I live in a foreign country and can not phone   XXXX   XXXX   # numbers. They have my address, they know where I live and that I live in   XXXX   XXXX    as it is my address of record but yet they still phone me all hours of the night, disturbing my household and in violation of FDCPA.
<P/>
They have phoned 7 times since the  XXXX  of  XXXX . FIVE of these times were in violation of Federal laws as they phoned after  XXXX . Here are the the following dates and times :  XXXX    XXXX   2017 phoned at   XXXX   no message left  XXXX    XXXX   2017 phoned at   XXXX   XXXX   left a voice mail ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX   XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at  XXXX  no message left I kindly request that American Express be penalized for fragrantly violating the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear sir/maam, I paid my XXXX XXXX XXXX XXXX credit card account ending in XXXX in full by settlement that XXXX XXXX XXXX XXXX offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that XXXX XXXX XXXX XXXX Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that XXXX XXXX XXXX XXXX, XXXX, XXXX, and TransUnion update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX 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 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed the XXXX XXXX item on my credit report on XXXX and Experian but both credit beaureaus have n't deleted the collection account.

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 09/19/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have credit monitoring and the Credit Bureau 's notified me of a new account on my report. When I went to verify what it was it is showing a new collection. I am not aware of this and when I review the details it stated a date from XXXX. I have no information about this. No one has contacted me either by phone or mail. This acct was placed on my credit report without proper verification and no communication. I called the Collection agency myself and advised why would you place something on my credit report without contacting me and giving me the opportunity to investigate properly or if this was even mine, they had no answer. This is very disturbing. Your assistance with this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was recently denied a credit card from XXXX. When I received my letter in the mail regarding the reason for denial, it said that they received my consumer report from a company named SageStream , LLC and that my score was in the XXXX 's. My score is in the high XXXX 's, and I have never heard of this credit bureau. They stated the only way to receive a copy of my report was to send in copies of my personal documents. Even though I was hesitant ( I 've never heard of them and felt uncomfortable sending my personal documents in via fax ), I did it anyway to see what was being reported about me. <P/>I sent that information in on X/XX/17 and it is now X/X/17 and I have received nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was informed by a mortgage lender yesterday that my mortgage application was denied due to the reporting of a Ch. XXXX bankruptcy in my TransUnion records. I 've never been in bankruptcy, and this was my very first indication of any problem with my credit EVER. The other XXXX agencies, XXXX and XXXX do not show such information, and none of the XXXX agencies, including TransUnion, show so much as a late pay in my many decades of credit history. My FICO scores have remained high throughout the period TransUnion shows a bankruptcy ( XXXX ). This is obviously a clerical error on the part of TransUnion, but has damaged my credit so that I am about to lose a property I have gone under contract to purchase. Time is of the essence here, but I evidently can not get in touch with anyone directly to help me, and must await the slow process of dispute resolution .... Can anyone, anywhere help me now???

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