milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have an account on my credit report with Equifax from XXXXXXXX XXXX  which is showing as a Charge-Off. I have paid this item and disputed this fact with Equifax on XX/XX/XXXX. The projected completion date was XX/XX/XXXX, and I still have not received an update on this, and it is still showing as Pending in their system ( screenshot attached ). I pulled my credit again today, and saw it still has not been changed, but states " This item is currently under investigation. '' This has been 'under investigation ' for two months! If they can not verify the information, they have a legal obligation to remove it from my credit report within 30 days of the dispute, which they have not done. 

Additionally, they are now PREVENTING me from making any further dispute, complaint or statement on this account. This affects my credit score and my ability to obtain credit. 

I want this item removed from my credit report. At the very least, it should be noted that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: GC Services limited partnership continued to mail me to collect a debt claimed by XXXX. I provided them with documentation from my credit card bank which refund my money and a statement of my new TV provider, XXXX stating the date of my new service which conflict XXXX claim. However, the GC keeps contacting me regarding this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a loan through navient in 2015 XXXX university chose this lender without giving me the option or any information about interest rates or payment plans, and then informed me i would receive XXXX through navient and the remaining costs would be tacked onto my parents loans. 6 months later navient said I only had XXXX in loans through them and I owed XXXX XXXX. They are currently both in class action law suits

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (I do not know) with Pacific Collections (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 I have received an alert from XXXX  that there were some changes from XXXX. There was a Debt collection from XXXX XXXX  XXXX XXXX ( sold to XXXX/XXXX ) for {$330.00}. My credit score went 60 points down. That collection is n't mine, I did n't purchase anything in there nor got any services in there. I live in Oklahoma. I immediately contacted XXXX and that collection agency about that issue. Collection agency refused to provide any evidence of that dept ( that it belongs to me ).

Company response to consumer: Untimely response
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX accounts on my credit report that I have never heard of and do not appear on my other XXXX credit reports : XXXX and XXXX in the amount of {$91.00} ( which I have disputed ). The lien on my credit report has been paid and does not show up on the XXXX XXXX XXXX of XXXX website, yet is showing on my credit report that was ordered today. My credit information is being reported incorrectly. My credit card balance is lower than what is being shown on the credit report, and it is saying that my last car payment was made in XXXX of 2016. Since it is inaccurate, the balance is incorrect. I will be disputing the XXXX accounts mentioned- again. My Equifax score is XXXX points lower than my XXXX and XXXX points lower than my XXXX. This does not reflect well as I try to qualify for a mortgage loan for my first home. Why is Equifax allowed to operate without being monitored? Please notify me if anyone ever brings a class action lawsuit against this company. I will send the appropriate documentation by fax or mail upon request. I will have to print out from various locations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (Other mortgage) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: This is regarding false advertising, regarding " Bi-Weekly Mortgage '' plans. 

I received a solicitation containing many false claims. ( attached )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: BBVA COMPASS - ( ACCOUNT NUMBER XXXX ) XX/XX/2016 BBVA COMPASS FRAUD and INVESTIGATION Department RE : account number XXXX To whom it may concern : On XX/XX/2016, I received an email from your bank indication fraud was impacting my checking account. In fact, {$3300.00} was stolen from my account after BBVA COMPASS allowed someone to compromise it. I called BBVA COMPASS that evening and could not access my account as passwords and security questions had been changed. After a quick investigation by BBVS COMPASS, I was told someone called in to their customer service to change information, followed by the creation of a 'WALLET ' access to my account, followed by a request for a new debit card, and finally on XX/XX/2016 the {$3300.00} in purchases and debits were taken from my account. All happening in OHIO or IOWA. 

Prior to the big day of XX/XX/2016, BBVA COMPASS sent a new card to the criminal and sent a new card to me. That makes two active cards numbers on one account. 

The account was closed immediately by BBVA COMPASS and a new one was created and I quickly created my own 'WALLET '. The {$3300.00} deposited in my new account within a few days. This was the end for me even though I was told my account would be closely watched on every transaction for several weeks. 

Fast forward to a few days ago. I started receiving account statements on the closed account over drafted {$3300.00} plus fees. This is when I made a visit to the branch located on XXXX Texas. It was at this location where I was informed the investigation was closed since they did not receive a police report. 

No one ever contacted me concerning a police report and I thought my part was over in this process. I have been to this bank several times since this happened. I have an online account, a 'WALLET ' application with my account, and my email is associated with this account yet there was no requests made of me in any of these superior formats to get information. 

The police report information : XXXX Officer XXXX badge XXXX PD XXXX This is a request that BBVA COMPASS complete this investigation, shore up their practices and procedures, and leave me alone. 
Sincerely, XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am listed as having an address in South Dakota, and I have never even visited SD. 
and another address is wrong. 
I have never lived XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attempted to dispute an invalid judgment that is not mine and Equifax has locked me out from doing so. I 've attempted to dispute this invalid judgment from XXXX as not mine in XX/XX/XXXX ( attached ) and XX/XX/XXXX ( attached ) and Equifax says " This item is currently under investigation. You should receive the results of our investigation soon. '' Because of this, I can not open a valid dispute. 

The investigation has been open since before XX/XX/XXXX as shown in the Equifax report date XX/XX/2016 # XXXX " ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process ; '' The FCRA does not allow for an investigation to last longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: This happened to us. They opened XXXX accounts for us that we did n't want, and told us that we had to have them .... We are XXXX and wondered all along. Then a year later I went in to the bank and told them we did n't want the accounts. They did n't get rid of them for us, we went back to XXXX, we still had them, and {$200.00} dollars plus later in fees, we still had the accounts. I finally made a big scene in the bank with the manager, and 2 tries later, and each time I went in it was at least an hour with her, and a long wait before seeing her to get rid of these extra accounts. I wanted a full refund and she would only give us back 1/2 of the fees they had deducted. They even transferred money from our other account into these accounts to pay the fees and charged us overdraft protection cost to do that. It was so upsetting! We are one of those customers that they did this to. XXXX XXXX at Wells Fargo in XXXX Arizona is the bank manager. We want something to be done about this.. Thanks for listening. We are XXXX and feel like we have been taken advantage of in the American banking system. Thanks for listening.

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 11/26/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, Ditech Mortgage servicing informed me that I had an escrow shortage of approximately {$21000.00}. This was apparently discovered after an escrow analysis was completed. Prior to this date, an escrow analysis had n't been completed in three previous years. When the shortage was discovered, I was given the option of paying the shortage in one lump sum or paying an additional {$340.00} on top of my new mortgage payment, This discrepancy resulted in my mortgage payment increasing by nearly {$1100.00} per month. Another escrow analysis was completed in XX/XX/XXXX and I continued to pay the additional payment and the correct escrow payment. When this analysis was completed, it included the payment of my property taxes that were to be distributed on XX/XX/XXXX. On XX/XX/XXXX, I refinanced my mortgage and paid off Ditech that included the escrow shortage and  the anticipated tax payment that was to be made on XX/XX/XXXX. I was also charged a minimum escrow balance amount of {$1700.00}, I believe Ditech owes me this payment as well as the anticipated tax payment of {$7700.00} which was part of the payoff amount that was made on XX/XX/XXXX. Ditech refunded me {$40.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was affected by the XXXX XXXX crash and I have a lot of student debt the funny thing is when I signed up to go to school there I was told I would receive my XXXX That never happened, they told me I did not need one as I had tha ability to benefit. Needless to say I have a lot of private loan debt, the federal loans are being discharged but upon me leaving the college they had me sign paperwork for a private loan telling me it was a grant. It was not until later I found out I signed for a private loan at an extraordinary interest rate. The school when I left dispersed the private loan to a government subsidies loan leaving a large amount of debt that has caused financial hardship since. I have had to file numerous bankruptcys so that the collections would not eat my paycheck. As the payments were set by the bankruptcy court. I never had knowledge of what I did until it was to late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Payday loan () with LDF Holdings, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: Trying to figure out if the company is charging me the guidelines of interest for an online pay day loan of ohio

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I am with Select Potfolio Servicing and I was 2 payments behbnd.I thougt ii was on a repayment plan but they said I was on a tiall modification, ye ii never applid for one! but the modificatinis is more than my normal payments. 
Also due tomy XXXX and the mortgage increase i can no longer afford my gas bill so i have noheat nor hot water.My home is in a rural moutsin area whee it snows!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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  XXXX / XXXX /17 I filed a complaint with TransUnion in regards to  XXXX  accounts that were reporting on my Credit Report inaccurately as these accounts were not mine. I requested TransUnion to provide sufficient information to investigate the disputed information, and they did not provide me with whom said accounts were verified with along with their contact information. The following accounts have not been properly investigated by law : Chapter  XXXX  Bankruptcy Maryland   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   These accounts have bee n labeled as Dispute n ot Specific however they were also considered " verified. ''

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Whom It May Concern, I am submitting this formal request/complaint regarding the accuracy of reporting of my monthly payments to my Barclays Credit Card, account number XXXX ( the Account ). I have received and reviewed my current credit report. The pay history reported on the Account, reflects a Delinquent 120+, current late date of XX/XX/XXXX 150+, six times 90+ days late, 1 time 60 days late and 1 time 30 days late. My monthly payment is a monthly auto draft from my XXXX  XXXX XXXX checking account number ending in XXXXsee attached ). As the payment history reflects, I have made timely monthly payments to my account for at least the last 13 months ; I could prove more if needed. It is obvious that I have not been late with my payments at any time. In addition to the incorrect payment history, there is {$15.00} charge, which I do not owe, but recently paid in an attempt to close out this issue and fix my account history.. This gross error in reporting has caused a substantial negative impact on my credit score. I have contacted Customer Service, to no avail, to rectify this situation. I am in the process of refinancing my mortgage and unable to move forward due to the derogatory credit reported on the Account. This inability to refinance my mortgage will cost me a substantial amount of money in interest charges. I am therefore submitting this written request/complaint to rectify this situation and demand that the correct pay history, on the Account, be reported to XXXX, XXXX and XXXX   immediately. 
Best regards, XXXX XXXX XXXX

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: I HAVE A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.

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 05/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: I got an email from BoA saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours. 

That leaves me with no money for breakfast, so I am angry AND hungry. 
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas. 

HOW does all this work? WHY wo n't BoA answer my questions? WHAT is my recourse? 

IT 's only XXXX bucks. AM I too small to matter while BoA is too big to fail?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I reported to  XXXX  an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get   XXXX   to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since   XXXX   has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.

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 02/23/2016 about Payday loan () with BlueChip Financial (LA).
Issue: Can't contact lender

Complaint: Advertisement from lender below / Waving balance of loan for on time payments ... .Various Text Messages Received I fwd e-mails following up to lender as well additionally called but they do n't reply. 
This appears/apparently to be a scheme to continue monthly payments. 
Most recent i called to speak with a manger about the matter. The gentleman claims to be be a relationship manger stated he would have a manager call he knew nothing about the text. It have not happened of yet. Today I received a e-mail from : XXXX Relationship Manager.. I called immediately and they claim she was not in to review the matter. 
Text received : ( Spotloan ) Nice job making your 2nd payment! If you make the next 2 payments, you may get the rest of the loan forgiven! Reply STOP to opt out of texts. 
Reply - Wow cool!!! 
All Text and e-mails are saved for review.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation