milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All of the above. 
XXXX and experian continue to resell fraudulent and inaccurate information to 3rd parties requesting the info. 

They resell innacurate info to new credit lines and continue to slander my good name. I have written libel from these companies. IT WILL STOP TODAY. 

Some I have authorized. Some I have not. ongoing dissemenation is further not authorized. only existing tradelines ( revolving card companies ) are ever given that permission to boost my balances. others have been continuously given my info. 

my info was sold repeatedly wo my consent. 
furthermore these companies refuse to delete info that others have. XXXX and XXXX have purged several accounts. these other bureaus have refused to comply. 

XXXX purged over 7 accounts. the others should do same-it is a FCRA violation not to. 

I have inquiries from the resell of my info I did not authorize. there is nothing " soft '' about it. 

This has unfairly affected my score and FICO, which  claims its about " fairness ''. Theres nothing FAIR about it.

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 06/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Enova International, Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Reached out about the incorrect reporting on my credit account, was given a run around by the creditor, then i reached out to the company in charge of the consolidation and they have yet to get back to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Upon recently checking my Equifax credit report, I noticed an XXXX point credit score drop and investigated the cause. The cause was a duplication error on a derogatory mark/collections account on the report. The collections account from XXXX XXXX for XXXX dollars has been duplicated and caused a significant drop in my score. I attempted to correct this on the Equifax website but was met with a requirement for a case number that I do not have and have no way of generating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
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: Late payments on my Credit report are wrong information about my payment history. I have never been late I have always made my payments on time. Please remove as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Delete these Addresses as I have asked before. They are not my addresses and I never lived there before : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like you to review this account number, status, original amount, and balance. I think it 's not XXXX accurate and remove this collection immediately from my credit report. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX & XXXX XXXX I am requesting investigation on opening date, date of last activity, and account name. I believe this information may be inaccurate. Remove immediately from my credit file. 

U S DEPT OF ED/XXXX XXXX Begin reviewing the payment amount, status update, account status, and the high balance. This information may be misleading. Immediate removal of this item is required of you. 

U S DEPT OF ED/XXXX XXXX I need the following investigated : payment amount, status update, account status, and the high balance. I believe this information may be inaccurate. Please remove for violating the FCRA. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX This collection is in dispute because the original amount and the current amount do not match my records. Please delete this item immediately for it 's inaccuracies. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a XXXX % accurate. Please remove this collection immediately for its inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not XXXX % accurate and remove this collection immediately from my credit report.

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 02/29/2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: I terminated the lease I had with Mazda Capital Services ( JP Morgan Chase Bank ) in XXXX XXXX due to a total loss. I followed all appropriate steps of notifying my auto insurance and Mazda Capital Services ( MCS ) and the claim was filed and funds transferred within a couple months. 
In XXXX I received a bill from MCS for $ XXXX. I called to inquire about the bill and MCS told me they showed no balance due and my account should be closed. Then they sent me a paid in full letter. All of this is documented through conversations with MCS and documents I uploaded to XXXX Auto Insurance. One month later I received another bill for the same amount. Again I called MCS who informed me there was zero balance, again told me they would close my account, and again I received a paid in full letter on XXXX XXXX, XXXX. 
In XXXX XXXX, I received another letter, this time from United Recovery Systems claiming I owed MCS / JP Morgan Chase Bank over {$900.00} and was delinquent in paying it. I called MCS, who only told me my account had been transferred to the collection agency and when I asked why I was forwarded to voicemail, to which I have not heard any response from. I then called URS myself to learn more. URS told me that this $ XXXX debt is completely unrelated to the {$700.00} previously communicated to me and that the only information they had about the charge was that it was an insurance deductible. I confirmed with XXXX and MCS that I have no outstanding payments for my insurance ( in fact XXXX also thought the claim was closed ). 
I did not get any notice of this $ XXXX debt from MCS or Chase Bank before it was considered a " long outstanding '' debt and I have been very communicative about any other written notices received. 
As I have not been given any real reason as to why this debt is owed and I have been told numerous times that my account is paid in full and I have zero outstanding insurance payments or deductibles I am disputing this charge. I have already sent notification of this by mail to Mazda Capital Services, XXXX, and the Office of the Texas XXXX. I wish to submit my complaint and dispute here to official record it with the CFPB and ensure it is addressed. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted in XXXX, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. In addition, I had a fraud alert placed on my file in XXXX of this year and yet there is a credit inquiry from XXXX XXXX in XXXX. The fraud alert states that i am to be contacted by phone. This did not happen. Lastly, I have requested that they remove inaccurate addresses, this has yet to be done.

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 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MS SERVICES LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, Experian, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX  because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with Experian due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

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 07/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America ATMs let you overdraw the account and then charge you a {$35.00} overdraft fee. This is unlike most banks ' practices. For example, XXXX and XXXX ATMs do n't do that. I called them at XXXX today and had to wait on hold an hour to ask for a one-time courtesy adjustment because they let my bank account overdraw when my girlfriend used the ATM. They refused the adjustment even though after the overdraft, Bank of America sent no email notification or XXXX application notification regarding the overdraft. They let the overdraft stand until early the next morning when I saw it, by which point they had charged me {$35.00} as an overdraft fee. They intentionally do not notify their customers so that their customers do not cover overdrafts. My account was only overdrawn a few hours until I covered it at XXXX or XXXX the next day. Even then, I was still charged {$35.00}. My account with them is not even a day to day account ; I usually only have {$1.00} in there and keep the account to send money to family. Also, I called them and asked for a one-time courtesy adjustment of this overdraft and they refused, saying that the fee was properly assessed. This is even though I never selected this intentional overdraft feature for my account, which has been opened 11 years. This must be a more recent feature they have added to rack up fees.

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 monetary relief
Consumer complaint received 10-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have about {$15000.00} in Stafford Loans that are serviced by FedLoan Servicing. In the past year, I have had a series of negative experiences with this provider. Most recently, I wanted to use part of an XXXX XXXX XXXX XXXX pay off an unsubsidized loan which totaled just over {$2400.00} with unpaid interest included. My education award was over {$5000.00} so I requested {$2400.00} be sent to FedLoan Servicing with explicit instructions that the money first go towards my unsubsidized loan with the remaining amount going towards another loan. They failed to follow these instructions at all, instead applying the {$2400.00} to all of my loans. I wanted the unsubsidized one targeted because it has the highest interest rate. 

This is in addition to enrollment issues I had to work through during the spring and summer. It started XX/XX/XXXX when I received an email saying I would need to start making payments on my loans. This surprised me quite a bit because I was in graduate school, which should have put all of my loans in deferment. FedLoan Servicing told me that they did not have any verification that I was enrolled in school, and that my school 's Office of the Registrar should send in an enrollment verification form. In the meantime, they put my loans on a one-month forbearance. One month later, I received another email saying I would have to start making payments on loans. FedLoan servicing told me that they did not receive the form. My school 's Office of the Registrar confirmed to me that they did, and offered to fax another copy. This copy was not received either, nor was the following copy. Finally, I asked what I should do differently since what I was doing clearly was n't working, and FedLoan Servicing told me I could upload a document directly to my account, which I did and it was processed. This was the exact form my school had sent three times, all of which were misplaced by FedLoan Servicing. 

Overall, I have become rather displeased with the quality of service I am receiving from FedLoan Servicing. It 's to the point where anytime I want to interact with them, I just assume I 'll have to have multiple conversations with customer representatives to work out mistakes they make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Consumer Loan (Vehicle lease) with Jackson Automotive Resources (MO).
Issue: Managing the loan or lease

Complaint: I was erroneously refused an early termination option as stated in my lease for an automobile. The car 's motor blew out after only 4 months of responsible driving/maintenance and was under warranty. However, I was not provided with a loaner vehicle and payment was demanded for an inoperable car that is no longer in my possession. My references have been harassed via telephone by AutoStart, who continues to illegally disclose claims that I should contact their office due to a late payment. The office/lot staff has been uncooperative, standoffish, and it seems I will continue to be subjected to an unfair breach of contract, dishonesty, and unfair auto leasing practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Well, this all started back in XXXX when i paid my XXXX XXXX XXXX off. I called National Auto Finance Company to send me my title and XXXX XXXX of National Auto Finance said he would be mailing it out. I never received my title. I called back numerous times in XXXX, XXXX and they told me they would get a duplicate title and resend it. I never received anything from them. My car sat in a garage as i did not know what to do as i had no title for the car and my car i could n't get registered after i moved. I went to the DMV in XXXX and they told me I had a lien on the car from a tax debt from XXXX. I called the State of Indiana and satisfied the over {$300.00} tax lien. I have submitted the paperwork to get my title through the BMV of Indiana and now they tell me that National Auto Finance has a lien on the car. I have been calling National Auto Finance back all week and they said there is no lien on the car, but they have to verify that the State of Indiana tax lien has been paid. I have been calling them and all i get is " We will call you back. '' THEY NEVER CALL ME BACK. I want my title to my car as it 's been two years that I have been dealing with this. This is riduculous! Can someone please help me?? I do n't know what to do.

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 01/29/2018 about Student loan (Federal student loan servicing) with Performance Settlement, LLC (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was contacted by a program called XXXX XXXX that supposedly helps reduce your student loan. I recently graduated and thought it would help. I was a victim of Hurricane Harvey and needed all the help I could get so I jumped on it. After agreeing to their services I later researched their company and found that they charge for a service that students can do on their own without assistance. I was rushed through the signing process and not given a good explanation of the program. They stated " If you don't act now you might not qualify later because the government is trying to do away with these program ''. Then she promised to lower my student loan to {$35.00} a month. I was blinded by the hope of reducing my student loans. 
When I called back to speak with the representative she didn't exist? This program scammed me into depositing XXXX and was planning on taking over {$1000.00} for a service that any one can do without assistance. I finally spoke to someone and he denied to help stating its my fault for signing a contract and that he could not honor my request to stop the service. 
This company scams you by luring students that just graduated promising to help them with a ridiculous number. I fell for it because I didn't research it first.

Company response to consumer: Closed with explanation