milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Consumer Loan (Vehicle loan) with AFS ACCEPTANCE, LLC (AZ).
Issue: Managing the loan or lease

Complaint: I was returning a call from my auto company AFS acceptance, I informed my rep XXXX that I needed to make the payment on the last Thursday on the month I just started a new job and my pay dates are off now. I hope with my taxes I can get my payments back on track and not pay late any more. She told me she did n't want to wait for my taxes, I told her that 's not what I stated, I called to set up a payment and tried to repeat what I told her the first time. She told me to listen to her, I informed her it was my mom 's birthday, and I was on a XXXX min break I just wanted to set up my payment she told me if she could n't talk she was going to end the call and hung up. I called back and requested to speak with a manager and asked them to cease all call, I got XXXX calls the next day. I found it really rude that she got upset about a payment that was only one day late at the time, and for her to tell me that she was not going to depend or wait on my taxes when that was not what I stated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on Experian and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted EXPERIAN AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and Experian kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Payday loan () with Enova International, Inc. (MD).
Issue: Payment to acct not credited

Complaint: CashNetUSA is charging late fees and noting my account as delinquent, but they are not debiting my checking account on the dates agreed upon. Since CashNet has not abided by the contract by not debiting my account as agreed, and as a result are adding interest to my loan and causing and declaring my loan is in default, I am requesting the account closed with a final payment of {$210.00}. They can not say I am in default 73 days when they do not perform the automatic debit as contracted. I took out the loan for travel to XXXX funerals in XXXX 2015 and relied on the terms of the contract to withdraw the agreed upon amount. What they are attempting to do now is steal money and tarnish my credit rating in the form of fees and a default notice. There is a deposit of over {$3000.00} on the XXXX and last day of each month, so CashNet has no grounds for late fees or default notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never notified of this debt before it was placed on my credit report. I received no notification of any kind. The first I knew of this debt was when the collection companyplaced it on my credit report. If I had received any notification I could of paid it ( whichI have ) I do not think it is ethical or fair to place something on by credit report without eversending me anything requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Navient is calling my mom at her work. Navient is calling my XXXX  and my XXXX XXXX XXXX ... and we do n't even share the same surname. I 'm not sure how or why they 're going after my XXXX  and XXXX XXXX.
Navient calls my work as well after I have asked them in writing to stop contacting me on a daily basis and to please contact me only by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian XXXX XXXX XXXX, TX XXXX I recently pulled a copy of my credit report on-line and found that you are reporting the following delinquent account ( s ) that are past the 7 year reporting time as allowed under the Fair Credit Reporting Act. The following account ( s ) should be deleted immediately : Creditor : XXXX Account Number : XXXX Date of Last Delinquency : XXXX XXXX Delinquency by XXXX XXXX XXXX Judgment was paid on XXXX with XXXX XXXX Reporting time expire in XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Medical) with The Thomas Agency, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Estoppel letter dated  XX/XX/XXXX, was presented to  The Thomas agency as a result of their default in dishonor, via tacit acquiescence, regarding  previously served  Cease and Desist / Verification of Debt  of which was received by their office  XX/XX/XXXX, substantiated by certified receipt  XXXX. The Thomas Agency (Collection Agent) was legally  estopped  from  collecting and or  reporting any/all of those alleged debts listed in Attachment XXXX, And yet, as of XX/XX/XXXX, the Thomas Agency continues to  illegally report  these alleged debts as though  they are valid to all XXXX credit bureaus. Those alleged debts the Thomas Agency continues to report have never been validated though request for validation has been made over and over again. XXXX written request for validation was sent to the Thomas Agency XX/XX/XXXX with no response. A XXXX request for validation was sent to the Thomas Agency XX/XX/XXXX,no response. A XXXX request for validation was sent XX/XX/XXXX, no response. Last request sent XX/XX/XXXX, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went in to get my report and score. I followed the instructions and I did not get it. I called and they said it went to an inactive account. They said I had to set up a new account with a new email which I did. I still did not get the report. They said I had to wait 2 hours so I waited till the next day ( today ). The same thing happened - it went to an iactive account and I still did not get a report. They were not going to reverse the charges saying it was valid. I didnto get my report. I have not gotten my report - I need a report and yet I can not get it. SOMETHING HAS TO CHANGE WITH THESE BUREAUS. THEY WANTED ME TO DO THEIR {$1.00} SCAM. I SAID NO NO NO!!!! I WANT TO APPLY FOR A LOAN AND I CANT GET MY CREDIT REPORT OR SCORE!!!!!!! You are a govt agency and you should be doing something about this. Either dissolve these scams or keep them from scamming us and allow us to receive our credit reports and scores. THIS IS BUERACY AT IT FINEST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 07/19/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (NY).
Issue: Trouble during payment process

Complaint: LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX   XXXX   for  XXXX  2017. They have, however, paid the taxes for  XXXX  2017- XXXX  2017. That payment was only made just recently, as up until just a few weeks ago both   XXXX   and  XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Equifax had a split file on me and when they combined the file finally my credit score was XXXX points there has been no changes to my credit report and because I complained they had decreased my credit score by a 100 points that is not right they should not be able to do that there has been no changes to my report since they combined my report except the complaint now they will lie to us and say anything

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am sure that I am not the only person having this problem. Soon after the Equifax data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like Equifax, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: There are five steps to submit your complaint : Step 1 : What is this complaint about?

BB & T no longer offer cancel check to owner of account.

Step 2 : What type of problem are you having? 
I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. 

Step 3 : What happened? 

I have called my branch at least four times and the main office at least 7 times today, no results. 
I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. 
I was informed by main office if they pulled the checks it would be {$7.00} per check. 
Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. 

Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? 
XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS

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 01/24/2018 about Debt collection (Other debt) with Atlantic Recovery Solutions LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received early am call from a " XXXX XXXX '' with Atlantic Recovery, proceeded go inform him that u did n't have time for this call at the time and hung up, immediately received another call and a lengthy voice mail, afterwards this guy call my brother trying to get in contact with me, informed my brother that he had information about other family members he would contact to get to me. No information as to who his " client '' was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase added an authorized user to my credit card account by the name of " XXXX XXXX ''. The authorized user was added out of XXXX. The credit card was to be shipped to XXXX without my consent. Chase failed to contact me to confirm this was accurate and successfully added this user that i do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is not reporting account # XXXX, which is XXXX XXXX Credit Card. The limit on the card XXXX. This affect my utilization, which affects my credit score ... I request that Experian correct this information ASAP and it 's not showing my history of payments as well. I have attached my credit report from XXXX, which is powered by " Experian. '' Also, I sent a letter into Experian letting them know there are " inquires '' on my profile that are not mine ... They have yet to remove this information. The list is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have contacted the creditors as well and getting no results, please have these inquiries removed ASAP. This will affect my ability to gain fair credit.

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 03-09-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My Complaint with Equifax about XXXX damaging my credit and Equifax allowing them to continue to damage my credit. I feel that if credit reporting agency Equifax is not reporting the XXXX account correctly. I have numerous disputes to Equifax regarding Navient incorrect reporting of the account. In an earlier dispute Equifax agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forebearance period, but I still made payments. I am enclosing documentation of payments made to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have not been able to find a job in my field as well as every time I had to pay a loan and I could not they offer me something and I accepted it but when I later checked my interest rates were really high and I accrued a lot of money over not being able to pay I do n't understand how over one year interest rates could have me paying that much money for something that I could already not pay due to not working all the agents I 've ever spoke with said this would help me out and this would be the best thing for me

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been and currently a XXXX customer. They have informed me that I do not owe the XXXX dollars that is on my credit report. I want it taken off my credit report unless someone can provide the necessary papers to show I owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent LexisNexis a letter of dispute regarding two public records ( Tax Liens ). XXXX and XXXX both reported that this information was furnished to them by LexisNexis, which is a third party vendor. I advised XXXX and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to LexisNexis on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from LexisNexis and it has been more than 30 days. The Tax Liens are XXXX and XXXX. I also made contact with Oklahoma XXXX XXXX and they verified that LexisNexis was never given this information by them. As a result of this, LexisNexis reported this information to XXXX and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a state tax liens still showing on my report that was withdrawn in XX/XX/2011. On multiple occasions I have disputed this with Equifax , Providing Equifax with copies of the State Of Alabama Department of Revenue Release forms which states " A tax lien can be withdrawn and released by the department conditioned on payment in full ( which I will also attach here for you ) this tax lien has been paid in full but Equifax will only report it has been released. I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien. The other CRA 's ( XXXX ) removed the lien from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am 77 years of age. My wife passed away in  XXXX . I attempted to assume and become the qualified surviving spouse of a reverse mortgage obtained by my late wife on our residential real property through Reverse Mortgage Solutio ns ( RMS ).   I w as told that in order to assume the reverse mortgage I would have to provide certain information and documents, including my marriage certificate, my wife 's death certifi  cate, my identification ( drivers license and social security card ), and a copy of the probate Court Order awarding the residence to me.
Although the Court hearing awarding me the proper  ty was held on  XXXX   XXXX ,  XXXX , the Court Order signed by the Judge, awarding me the property, was not signed or entered by the Court until  XXXX   XXXX ,  XXXX . When I  obtained the court Order and provided it to RMS, I was advised that it was too late and RMS had sc heduled the foreclosure sale of the property for  XXXX   XXXX ,  XXXX .     During my dealing  with RMS, none of their representatives ever advised me any deadlines to produce the documents. After being advised that we could appeal this decision, I had my attorney submit an " appeal '' letter, which we were later advised was a " waste of time '' inasmuch as RMS would not reverse its decision that I was ineligible due to missing the deadline to provide the documents mentioned above. My attorney as written a letter to RMS a nd  XXXX   XXXX   XXXX . to try to get relief before my house is sold on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation