milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contacted Bankruptcy court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties. Therefore I conclude that credit bureau falsified response when stated that they verified information on my credit report and it is accurate.

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 07-11-2017 about Debt collection (Auto debt) with National Commercial Services, Inc (LA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Went to rent a car from XXXX XXXX XXXX in XXXX. Was informed that XXXX and XXXX are the same company and I was on XXXX do not rent list. I was told to contact the do not rent department of XXXX ; I did. They referred me to a collection company in California XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I called an spoke to XXXX at the company. I asked for a copy of the bill, signed contract and orginally inovice. I was told those were not available. I stated that on XX/XX/XXXX that the CSR could see the contract on her computer screen. He stated that the contract # XXXX had been recycled and not available.
However, 2 hours AFTER speaking with both XXXX  XXXX Department AND NCS, I was emailed an invoice with a XXXX  balance.
The rental was from XX/XX/XXXX to XX/XX/XXXX. The insurance company paid {$630.00}. Apparently there was a balance of {$85.00} ; i did NOT know there was a balance nor had I EVER received anything about this.
I sent this to XXXX XXXX department who stated that I have to contact NCS. But when I contact NCS, I am told to speak with XXXX  and he stated that I owed nothing, XXXX is a private company and they can decide who they rent to, that I needed to find another rental car company and he went on to state he would make sure that XXXX was not ever going to rent to me again AND then hung up.
It seems that XXXX with NCS is on some sort of power trip as he refuses to provide ANY information about the supposed debt and the information XXXX  has provided shows a XXXX balance.
It is clear that it was an overcharged by XXXX and since XXXX only makes his money on what he collects he is not going to release the account in order to punish me as by his ( XXXX w/ NCS ) own admission know this is not a valid charge.
Thi account needs to be settle as paid as by XXXX own admission there is a XXXX balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 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: Information belongs to someone else

Complaint: I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

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 04/29/2015 about Debt collection (I do not know) with Gatestone & Co. International Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: I placed a freeze with the other two agencies on XX/XX/XXXX, but Experian 's website has been an unnecessary hassle preventing me from completing the freeze, at each attempt in this process, and again today ( XX/XX/XXXX ). 
In XX/XX/XXXX I requested my credit report, which Experian could not verify so it was mailed to me. Receiving my report number I logged in online and attempted to put a freeze on the account but was unable to. The website frequently 'times out ' requiring my information to be entered in again. When it does go through I receive a notice that it ca n't be processed online and that all my personal identity information, along with a check, has to be mailed in to them. Mailing all my information along with my checking account is an unacceptable security risk. 

Equifax should be invoiced for these credit freezes, not consumers. 

Experian has wasted hours of my time already, which is worth much more than the {$5.00} they insist on charging. This is especially true considering I did not authorize their collection of my information. If they are given such an important responsibility, they should be expected to have a website that functions to serve our needs appropriately.

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 12/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was denied credit, went to XXXX to order my free credit report, went through the process online, website kept asking me to refresh then finally stopped working. Tried to resubmit, website said I had already received my report which due to the refreshing I did not. What upsets me the most is I can not reach a human being to report the website problem. I 'm old and really take issue to auto attendants on the phone and computers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have behind on my mortgage due to lost my job and my wife got XXXX. It had been more than 8 month long for me and I finally come to solutions that need to short sale my house. We submitted the request and lender SLS did not accept it and they said not enough time and even though my realtor called they said they dont have any other options to me other than foreclosure. They keep misleading information by submit the package before 21 days and 15 days and then they said they need 30-60 days to review. Sorry they have to foreclosure my house. I want them to help the struggles family like me to find solutions than foreclosure.

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 10/24/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I disputed this collection account with all three credit bureaus multiple times the latest date being XXXX/XXXX/XXXX. I have a collection account for the amount of {$140.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.

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 08/15/2017 about Vehicle loan or lease (Lease) with UNITED AUTO ACCEPTANCE (GA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Sold the vehicle with my personal items inside the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with ERC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving telephone calls from Enhanced Recovery Debt Collections although I 've told them in the past no one lives here by the name of XXXX. They are calling from multiple numbers and this is harassment!!! I 've received calls from XXXX and XXXX multiple times a day, everyday!!!

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 01/13/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (WI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a new account with BBVA Compass on XXXX XXXX, XXXX, under a new account promotion where I would receive {$200.00} if I opened a new account and they received a direct deposit of at least {$300.00} within 60 days. 

I had payroll direct deposits of {$300.00} post to my new checking account on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

It has been 60 days since I opened the account and I still have n't received the {$200.00} bonus. I sent the bank a secure message, and I received the following response : We received your inquiry regarding the Direct Deposit Promotion. Please note that the qualifications for promotion are based off our discretion. 

I do n't think it is fair of them to decide to not pay my bonus, after I met all requirements, just because their promotion is based off their 'discretion '. I met the requirements of their promotion and believe I am entitled to the bonus. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX I had issues with XXXX XXXX when I transferred to XXXX it took XXXX over 3 months. XXXX XXXX gave XXXX the run around with the finale bill. I sent XXXX several times US REG Mail to the issues. They had already put the account on my credit file before they settle the finale bill with XXXX. 
I also called them over 120 times to this situation that was going on. 
I mail them REG US Mail and then some one call back said it was being sent up to a higher department with no results to the issue and they never resolved the issue and I kept calling them with no results always some one is  working on the issue.

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 05/24/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TX).
Issue: Managing, opening, or closing account

Complaint: I lost my card ending in XXXX. Western union pp card rep told XXXX I could buy another card at XXXX and attach the card to my XXXX account which has a XXXX monthly fee and overdraft protection. I wanted access tomy account but they said I had to transfer the money and only XXXX a day which I thought was strange since the accounts were to be linked. I then noticed that every time I made a purchase they would charge me XXXX dollar I called back and after being on hold for 45 minutes I was told that my fee plans from the XXXX account was now attached to new card XXXX. I learned the next morning that I was charged another XXXX fee and that I would not be able to access my funds until XXXX XXXX when a replacement card arrives. This is created a hardship for me. If only I was given the correct information then I could have made a more informed choice I feel like western union netspend is taking advantage of me holding my money and XXXX charging me fees. They ensured me the cards linked to my XXXX account and thatmy employer direct deposit would be available on the XXXX card. When I talked to XXXX in escalations she informed me that it was XXXX accounts and all information told to me on the XXXX prior calls was incorrect and all she could do is reprimand the XXXX reps and forward my request to corporate when I said I will file this complaint I am still without access to my money during the holidays when my grandsons are here. I would like my money to be in XXXX and a XXXX fee credit then I will remove my money and seek a more truthful company to handle my money with our hidden and excessive fees and lying customer service representatives and a more caring escalation team providing real customer services keeping the customer satisfaction as a top priority.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: Chase bank charges {$12.00} service fees for going under a {$1500.00} minimum ( the lowest they have ). When I got the account from my father 's estate, it had a {$20000.00} minimum. When the account dipped below that, they charged the fee for over a year. I never saw any notification of it. Now I had to use the rest of the money. There 's no way I can reach the minimum or get a deposit of {$500.00}, given that I 'm on XXXX and do n't get the money myself. This whole service fee is questionable and even worse towards low income folk. The lady at the bank said that {$1500.00} was the lowest minimum and that they had to charge this fee for " holding the money. '' I 've got {$30.00} in my account now. There 's not even anything for them to hold, and if there is no money coming or going, there 's not even any service for them to render besides keeping that record, that excuse for them to charge fees. So I 'm going to have to close the account. There 's nothing else I can do. I neither want nor can afford to give them money for free, and quite frankly they do n't need these little scams that they quietly increase over time. Fees for using ATMs, fees for maintaining an account. I see - now it 's not enough for them to consider it valuable, but even before these practices are unethical and anti-consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I XXXX, am filing a complaint because Equifax has ignored my request to provided some kind of documents that their company has on file that was used to verify the Public Record I disputed. Being that they have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (I do not know) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint: webster bank is harrassing me about a debt i dont owe XXXX 2015 i was in jail

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Credit decision / Underwriting

Complaint: Ocwen Loan Servicing falsely reported to the credit bureaus that I had overdue/delinquent amount of mortgage with them and that my account is 120 days passed due. They indicated that the account was opened with them on XXXX/XXXX/2004. I never had a mortgage with Ocwen Loan. I do n't even know where they came from. 
My mortgage was with XXXX XXXX XXXX Ocwen Loan Servicing copied the same information from XXXX and duplicated the information on my credit report. This reporting by Ocwen Loan caused financial injury on me and I was denied a XXXX Plus Loan because my credit went down by more than XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: Wells Fargo Home Mortgage has placed my home in active foreclosure status without informing me of such action via regular/certified mail or phone. On XX/XX/2018 I attempted to make monthly payment of {$970.00} at their XXXX, PA Branch office and was told my payment can not be accepted because my home is in active foreclosure status. This was a shock to me because I received no communication of this information from Wells Fargo. I am 3 months behind but told them on numerous occasions of my intention to bring account current. I believe I deserved to know my home is being foreclosed on. They are preventing me from reducing loan amount in order to foreclose on my property ; THEY SHOULD BE HELPING. 

Thanks for your 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 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and XXXX to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for ) XXXX these accounts by certified mail, and I 've received NO response from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with Equity Settlement Services, Inc. ().
Issue: Closing on a mortgage

Complaint: 1. Equity Settlement Services ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to XXXX XXXX XXXX ( the Mortgage Loan Originating company ). Instead, and for unknown reason, Equity Settlement sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from Equity Settlement and XXXX XXXX. 

2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of XXXX XXXX or Equity Settlement is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 

3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The companies refuse to provide such.

4. Although 4 months have passed since they collected their fees in this transaction, Equity Settlement Services and XXXX XXXX have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.

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

Complaint: I was told that they could not lower my payments, however I was continually advised to request forebearance subsequently accruing unaffordable interest.

Company response to consumer: Closed with explanation