milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: PLEASE NOTICE ITEMS # XXXX ON THE UPLOADED CFPB COMPLAINT REVIEW PDF. EXPERIAN DELETED THE NEGATIVE ITEM ... 
I 'm a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and Experian deleted it because the furnisher agreed with me. 

But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted 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 02-01-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Trouble during payment process

Complaint: I contacted Ocwen in the summer ( XXXX  ) to get my PMI ( Private Mortgage Insurance ) removed from my mortgage as the houses in my area have gone up in price. I was advised that unless I have added a bathroom or a bedroom I had to order a full appraisal so they could use that to gauge the value. I specifically asked if I had to contact someone to order an appraisal or if they had to use a specific vendor or company. I was advised that I can set everything up and to send in the paperwork after it has been completed. I ordered an appraisal and the value of what I owe and what my house appraised at in XXXX was under 74 %. My submission was rejected due to " Broker Opinion Value '' I contacted Ocwen and they told me that I couldn't use whoever I wanted to use and they had to initiate it. Ironically the person I used was also the same person that initially appraised my house when I first purchased the house since he told me when I met him. I told the manager I was told that I could use any company as long as it's a full appraisal and I paid {$500.00} to get this done. I was advised that there was nothing they can do, even though I made a case that there must be a recording somewhere as everything is on a recorded line. I would like to receive help removing PMI from my Mortgage as my house is worth more than the contract terms, and at this point Ocwen is charging me about {$95.00} a month for pure profit. I feel like i'm being scammed and also out {$500.00} please help.

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 09-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I enrolled at XXXX where I was not given exact cost information about the program I was enrolling. I was also told my loan payments would only be {$50.00} total a month. I can not afford to make my momthly payments. I was also promised quality education, in which I did not receive. I failed classes multiple times, and when I asked for help I was referred to XXXX. My finance advisor also told me I would n't be charged for repeating classes since the instructors refused to help me. 

I was also told the school has had accreditation for years and was in good standing. I was promised a high paying job after graduation. I dropped because I could n't receive help with my school work. I was also not told I could test out some of the classes I had taken.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This company has reported information on our credit report. It needs to be corrected. This is a letter sent to them. 

XXXX XXXX, 2016 XXXX/Executive Services Legal Department XXXX XXXX XXXX XXXX : Per our conversation of today, I am faxing this complaint. 
In XXXX we applied for a Modification. We have not been late with you and have continued to pay our payments through the trial period on time. We have an {$8000.00} Line of Credit. We are quite disturbed to find out the XXXX has posted a 30 day and 60 day late on our Credit Report ( see attached ). We were never notified of this practice and were not informed " if '' we proceeded with the Modification that this would happen! This is against the law and we want this removed and corrected IMMEDIATELY! 
I am attaching the copies of our payments for the last three months, Trial payments as well as a copy of our Credit Report item in this complaint. 
Please contact us immediately upon receipt of this notification. 
Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: We initially had a mortgage with XXXX XXXX, every year in XXXX, they would begin harassing us for a lump sum payment, normally over {$3000.00}, regardless if our payments were up to date, or XXXX behind, then after 7 years of this, they sold our loan to another company, XXXX XXXX, and they did the same thing in the fall of last year. They only owned our loan for a few months. Now ANOTHER company bought our loan, Select Portfolio, they are now harassing us. Calling XXXX times a day, leaving numerous voice mails, coming by my house, etc. I have called back and ca n't ever get the lady that keeps calling me. I try to work full time, my husband does, also, we have XXXX children, and my mother is in and out of the hospital. I have requested numerous times a modification, but noting ever comes of it. They just make more demands. I need someone to help us, and actually listen to us, because I am afraid other have the same issue. The original company, I am sure it is in our original contract, that they could n't sell our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent a bill for the bill I do not owe. I paid all my dues prior to cancelling service with them. Bill are paid one month in advance, and the charges they are claiming for the amount they collected for the last month. They reported to debt collection company called Southwest Credit

Company response to consumer: Closed
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Settlement process and costs

Complaint: We can not get a payoff statement from Seterus. In the middle of closing our original lender sold our mortgage. Seterus ( with both myself and the attorney on the line ) admitted they should have sent us a welcome packet but they could not confirm they sent a welcome package. We never received a welcome package and had no knowledge the mortgage was owned by Seterus until XXXX XXXX. The closing was set for XXXX XXXX. On XXXX XXXX with the buyers attorney on the phone with me we requested another pay off statement only to be told the wait was at XXXX business days. The agent hung up on us and was yelling at us on the phone. We called back and the agent put a rush and apologized for the previous experience with the agent hanging up on us. She informed us we would receive the payoff yesterday so we could close. This took over XXXX hours on the phone and numerous times being on hold. The letter was never faxed. At the closing we were told it would definitely come tomorrow which is today XXXX. I called first thing this am and I was told it would definitely come today. It never came and at XXXX I called again and the woman told me they gave me wrong information and it should come by the end of next week. Should not would. She also stated again it 's 10 business days to get a payoff statement. I told her it takes XXXX minutes to send a fax. I was on the phone and again put on hold for XXXX minutes. Again the agent hung up on me and said there was nothing she could do. I informed the agent the buyer s mortgage commitment was going to expire by Monday. I also informed the person on the phone as well as the previous person on the phone that we have a special needs child who is medically fragile and I could provide medical documentation and would fax it over. I told them we are staying at a hotel and this is not good for my son 's condition and could someone please help us. I again told them I could provide documentation and would fax it right over to them. I was told I do not qualify for a rush because I am not in a short sale and not in foreclosure. I started to cry and said there must be something someone can do. Every time I called I was n't even allowed to speak to someone in payoffs. Every time I call it 's a different answer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX XXXX without my permission, accessed my credit information for the purpose of providing me with a Automobile insurance quote which resulted in an increase in my insurance premiums by several hundreds of dollars. 
As a current insurance policy holder XXXX XXXX has never used Credit information. It is the result of relocating from XXXX to XXXX that has prompted this action. For XXXX XXXX to access illegally access my credit information and base my rate on such information is wrong. I have a perfect driving record and that is what a rate should be predicated on. I wish to seek compensation from XXXX XXXX for their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: On XX/XX/XXXX was denied credit from XXXX for a business credit card due to transunion reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My XXXX mortgage that was modified in XXXX is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted XXXX XXXX and Transunion regarding this issue. XXXX XXXX stated that it is transunion 's problem bc they are recognizing a bankruptcy and just reporting it. Transunion says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted XXXX XXXX again and Transunion and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

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 04/17/2017 about Debt collection (Medical) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: No Notice was mailed account appeared on my credit report cause my score to drop no knowlede of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello my name is XXXX and I have a complaint about student aid and how XXXX are selling these student loans over and over again even thought they get paid off to where you are forever in debt to them. First of all In XXXX I entered the military and paid into a school grant which they said we could use anytime when we want to go to school, so I paid into it for a year. A hardship happened and I had to leave the military with an honorable discharge. So I go back to school and ca n't use the money I paid into being in the military so I get a XXXX XXXX loan. Along with the school loan I get a personal loan to cover my books and other incidentals. Push ahead 10 years children, divorce and so and so but I still have to pay off my student loan and I go in default. So years later and my paycheck is garnished and the school loan is paid and I get a letter from my company and Navient a.k.a XXXX XXXX and a.k.a. XXXX saying debt paid and I am released from the garnishment. In XXXX my income taxes are taken because of the private loan Navient says. I filed for bankruptcy in XXXX and add XXXX XXXX, Navient, and XXXX to it because now they want payment for the personal loan I took out. Bankruptcy is finalized in XXXX XXXX and I hear nothing for 6 months all of a sudden I am being garnished again, no letter stating this from Navient or my accounting department at my employer XXXX XXXX. I contact my attorney by phone and email and nothing he has been paid case closed he wants more money that I dont have to correct this mess I am guessing. So I call them directly ( Navient, XXXX ) they ask me to give them proof that the loans were paid by garnishment and that the personal loan was added to the bankruptcy and that I do. I email them the copies that I have sent you. They send back the letter I have attached and now another creditor has purchased the loan from Navient they say, and want money. The next week XXXX is now sending me a letter they want more money. I dont know who to go to about this it can not be lawful. I see that Navient has a class action suit against them. I just need help and I ca n't afford to keep getting attorneys that only want money. Can you please suggest what I should do next I think they will try to take as much money from me knowing that I cant get it back because its the government backing them. 
Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Lien Enforcement Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company identifies itself as lien enforcement inc phone #  XXXX  They say I need to call them message in english and  XXXX  they call everyday buy i do not answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries.

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 01-03-2018 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (MI).
Issue: Charged fees or interest you didn't expect

Complaint: I received a loan from XXXX and believe that this loan violates state and federal usury laws. I financed XXXX and have to date repaid XXXX and still owe over 2,000 to pay it off. I am no longer able to repay this loan and have been forced to close my checking account to stop automatic debits from occurring in the amount of over {$450.00} biweekly.

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 06/15/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed an identity theft report with All XXXX credit reporting agencies. XXXX and XXXX did investigations, got me my documentation and results. Equifax did nothing. They ignored the Police report. They ignored the Identity Theft Affidavit. They ignored a letter from my attorney. Equifax never blocked any of the information as outlined in 
605B. BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [15 U.S.C. 1681c-2], because they never did an investigation. Nothing has changed on my Equifax report except the XXXX deletion that XXXX did because of the XXXX investigation. In 45 days since my attorney sent Equifax a letter and over 90 days since my XXXX letter and over 60 days since my phone call to XXXX, we have received NOTHING!! Just a credit report copy that says the same thing as last month. No investigation documentation stating how the investigation was done, if one was done, what each creditor said or anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017, I made two transactions. Both were selling Bitcoin. Both were for the same amount of {$140.00}. I received one deposit to my XXXX XXXX for {$140.00}. I never received the second amount of {$140.00}. I have sent coinbase over 10 emails. I had one replies from bot emails, but not one person has attempted to help fix my issue. I have copies of the transactions, and screenshots also. I have attempted to contact them via XXXX and have received NO replies. I want my {$140.00}. Coinbase has been growing to fast and cutting corners. They claim they have too many people submitting problems, but its been exactly one month and I have yet to have them contact me to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ME).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I received my new account statement from Sunoco. The new balance they were charging was more than my actual gas purchases that were showing on my statement. On XXXX I bought {$23.00} worth of gas, XXXX {$12.00} worth of gas, on XXXX {$23.00} worth of gas. Those transactions totaled {$58.00} plus a {$2.00} fee for I do n't know what. They showed my new balance as {$76.00}. I called on XXXX XXXX to ask why this discrepancy. She said I have another gas purchase of {$16.00} that I made on XXXX. I said well why is n't that XXXX then showing on my statement. She said it 's just the way the statement cut off. That charge will be on next month 's statement. I feel that if they 're charging me for something they should be showing that charge on my statement. I 've been trying to pay off my balance every month to avoid interest payment, now this extra charge is just enough to prevent me from doing that this month. I do n't think it 's right. Citibank is the owner of this Sunoco 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