milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: this account, TN CHILD SUPPORT XXXX .... IS FRAUDULENT ... THE ACCOUNT WAS CREATED BY FRAUD ... AT THE TIME OF THIS ACCOUNT I HAD A CONTRACT AND ORDER TO PAY CHILD SUPPORT IN VIRGINIA.I HAVE NEVER PAID ANYTHING AT ALL TO THIS ACCOUNT.AT THE TIME I TALKED TO TN CHILD SUPPORT I INFORMED THEM OF THE ABOVE..THEY SAID THEY WOULD GO AFTER PERPETRATOR FOR FRAUD ... 
YET TN CHILD SUPPORT HAS CREATED THIS COMPLETELY FALSE RECORD AND NOW VERIFIED.I HOLD EXPERIAN ACCOUNTABLE FOR DAMAGES AND WOULD EXPECT CFPB TO FINE EXPERIAN AS WELL AS PAY ME STATUTORY DAMAGES,

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 05/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other transaction problem

Complaint: A transaction was started wi th Western Union o n  X/XX/2017   .   I paid the extra money so that it could be ready in minutes. A total of {$100.00} was taken out of my bank account. The money never arrived, they contacted me that the transaction was " under review ''. I called the next day to tell them that I needed my money back because I needed the money transfer " in minutes '' as they promised and I had to find another way to transfer the money to my family. They refused stating that I needed to send an ID. I do not feel comfortable sending my government ID via email, and told them that I just want the money placed back into my account where they took it and I did n't understand why my money was on hold if there transaction was no longer required. They refused to give my money back. I feel like they are holding my money as ransom and are trying to obligate me to send a copy of my government ID for a transaction that I no longer need since they are not able to send my money " in minutes '' as they promised. I understand that they must do certain things for security of the customers but I do n't understand why money is being held at ransom if I no longer want to do the transaction and I do not want to send a copy of my ID. I simply wanted the money placed back from they took it. I attempted to call customer service and they manager was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX - XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX - XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Great American Finance Co (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several requests to Great American Finance per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company on XXXX XXXX, 2016 which has well surpassed the 30 days allowed by law for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been a full-time XXXX XXXX since XX/XX/XXXX. I saw an ad in the newspaper about Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. I consolidated my federal loans in XX/XX/XXXX and was told that I was good to go and on track for PSLF. In XX/XX/XXXX I filed the paperwork to have my loan transferred to XXXX to finalize the PSLF process. In XX/XX/XXXX I  was informed via email that although my employment was certified, none of my 9+ years of on-time, consecutive payments would count towards PSLF because I was on an ineligible repayment plan. During the past now 10+ years of payments I have paid over {$36000.00} in interest. Had I known that I was terribly misled, I would have paid off this loan many years ago and not gotten hammered with all this interest. I now have almost {$44000.00} in principal left on the original loan amount of {$46000.00}. I never would have agreed to pay that much interest under any circumstances. I went through the complaint and appeal process with XXXX and was told that there was nothing they could do because Congress makes the rules. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with The Receivable Management Services Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: REFUND WAS MADE TO THE XXXX AND STILL TRY TO COLLECT THE REFUND.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Loan payment wasn't credited to your account

Complaint: I signed a loan agreement ( loan # XXXX ) with Big Picture loans on XX/XX/XXXX for {$1500.00}. It stated the total amount that I needed to repay was {$7000.00}. I have been making {$590.00} monthly payments for 10 months totaling {$5900.00}. The week of XX/XX/XXXX I took out a {$1600.00} loan from my 401 ( k ) to payoff my account since they told me I was accruing daily interest charges. With the {$1600.00} payment I have paid them a total of {$7500.00}. On XX/XX/XXXX I was told that I owed an additional {$1100.00} ( a XX/XX/XXXX & XX/XX/XXXX payment of {$590.00} ). I contacted the Minnesota Department of Commerce who said Big Picture loans did not have a license in the state and that I should have my {$1600.00} returned. When I contacted XXXX XXXX XXXX on XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXXI spoke with a supervisor. He gave me the run around and I have not heard back. I am only looking for a refund of the {$1600.00} to repay my 403 ( b ) account. Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: Ally Financial reported false information about me to multiple 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 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2014 i ordered a copy of my credit report from Experian and noticed a negative trade line being reported. i further investigated the problem and came to the realization that this negative tradeline was NOT MINE, it actually belonged to another family member but it was being reported on my credit report. Within the same month i applied for a credit card and was denied the line of credit due to this negative tradeline. This is proven because the credit card company sent me an explination on why I was denied. I disputed the error on my credit report with Experian on XXXX XXXX 2014 asking for the investigation procedure. On XXXX XXXX, 2014 Experian sent me another credit report without deleting the error leading me to believe they never fully investigated the error in the first place nor did they send me any info on the investigation procedure. I sent a second dispute letter to Experian on XXXX XXXX, 2014 asking them to remove this negative tradeline as soon as possible because it is denying me a line of credit. On XXXX XXXX, 2014 Experian replied to my dispute by sending another credit report WITHOUT deleting the negative tradeline again. On XXXX XXXX, 2014, i was sent a XXXX credit report stating the tradeline was removed. This led me to wonder who furnished Experian this information. Experian never sent me the investigation procedures. Ive called Experian multiple times asking how and why this was reported on my credit report and to explain the investigation procedure to me but all I got from their employees was nothing but a runaround and invalid answers. The employees refused to give me valid answers or lead me in the right direction for correct information.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

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 10-06-2015 about Debt collection (Credit card) with CITIBANK, N.A. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Credit card) with ERC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Enhanced recovery collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.

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 05/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (NC).
Issue: Struggling to pay your loan

Complaint: Hi, I am on my   XXXX   loan from Big Picture Loans and I looked at the amount of the payback and I am dumbfounded. I did not realize how much it would be. I know that trying to stop the money from coming from account will not help and I would like the offer paying the loan back without the extremely high interest rate. I only borrowed  XXXX  and they will collect  over 3400 afte r this loan is paid off and that is alarming to me. I can not believe this is happening. This is predatory to hardworking people that are struggling to make ends meet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Can't contact lender or servicer

Complaint: XXXX  is not receiving my updated bank account balance 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 02-08-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello- I have previously disputed this item with Equifax XXXX We were the victims of XXXX Mortgage servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (TX).
Issue: Taking out the loan or lease

Complaint: I have a signed and notarized paper on a credit card that was taken out in my name and the debt was drop and was told it would be taken off my credit report to all XXXX credit bureaus and it still remains there, the company said it would send to all XXXX and would be dropped in 30-90 days and that was XX/XX/2011.XXXX never did this for me in the 2 and half years I hired them, please help me with this matter.this is hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am a housing counselor for a non-profit hud certified housing counseling agency representing a client with Carrington Mortgage who has applied for a loan modification ; ( the loan mod process started with XXXX and then transferred to Carrington ) we have both contacted the lender repeatedly and on XXXX XXXX, they finally stated they had a complete package and they were waiting on the irs transcripts and title search to come back. Then on XXXX XXXX they closed the file for not us not providing documents. I have called with the client on conference with the lender and was advised the spoc had incorrectly notated the file and they did n't have all the documents and closed his file. They had mailed him another package and advised us we had to completely redo another file in order to be reviewed. I argued why should we have to start all over again when you already have all the information. I asked to speak to a manager and was adv one was not avail they were in remediation and that they would have to call me back. I also asked to be put to the spoc and she did n't even attempt to get her on the phone. This is the XXXX time they have made us restart and now are wanting it done a XXXX time. This client is/was current at time of submission.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! Their retort- When an account closes, XXXX has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed XXXX must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer.
1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column.
2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with Robinson & Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm a XXXX was working for the XXXX that I was contract with, XXXX in XXXX ca. They did not pay me for my services I took a load from XXXX to XXXX and back. My truck broke down they advance me some money to fix it but on the way back they kept the rest of my pay and now they been reporting on my credit over {$6200.00} that I owed them. This is an abuse to my self as an employee of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: I made a deposit to Bank of America on XXXX/XXXX/15 for {$1400.00} and received a receipt that a deposit was accepted and would credited by the end of business, which it was. In the interim on XXXX/XXXX/15 they retracted the deposit and placed a hold on it until XXXX/XXXX/15. I did not receive any notifications, but in talking with the bank representative they claimed it was emailed to me on XXXX/XXXX/15??? How can you charge me a {$35.00} fee on XXXX/XXXX/15 without providing notice. To add insult to injury I was charged another {$35.00} fee on XXXX/XXXX/15 for a difference of 34 cents??? This is down right deceptive and should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Upon checking my recent credit scores, I noticed the following company has been reporting misleading information to the credit bureaus. I am distressed to see that the following company has continued to report misleading information on my credit report. I have disputed this account several times however this account to my surprise is returning to me verified and to my best knowledge this information could not possible be correct. I also took matters a step further, and decided to contact NCS by sending them a letter requesting they either properly validate the debt they are currently reporting, or removed this account from my credit report. I have never received a response from the company directly and they are still reporting the account which is a violation of the fair credit report act - due to the fact that the company refused to comply with validation from this account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) or this account removed as soon as possible from all reporting agencies whom may be furnishing it. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation