milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2016, after receiving results from disputes on several accounts : XXXX XXXX XXXX, XXXX XXXX XXXX I requested the method of verification under FCRA 611. I also notified Equifax of the failure to timely investigate several accounts listed as US Bankruptcy Court XXXX Ga Case Id : # XXXX ; # XXXX ; # XXXX within 30 days. I specifically described the letter as a " followup to disputed accounts. '' ( See Attached ) I received a notification by email that this letter initiated a new reinvestigation of all said accounts. ( See Attached ) Not only did the company ( Equifax ) neglect the request it misapplied different issues. For example, method verification request does not lead to a new reinvestigation of the same results. Secondly, when you failed to reinvestigate an original dispute in the time allowed unlawfully adding time to do so is not acceptable. Accordingly, the appropriate response to each issue must be addressed. Lastly, the opportunity to make corrections when proof no investigation took place will be counterproductive. Make the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get calls from the number XXXX. I have explained to them that the number of the person they are looking for does not own the phone number that they are calling. The XXXX representative hung up in my face and the XXXX said that they would remove me, but they have continued to call. The company is supposedly called 1st Recovery Associates.

Company response to consumer: Untimely response
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Some woman from Weinberg Mediation Group called at around XXXX and left a voice mail threatening to go to take legal action. No letters were sent to me so I do n't know who this company is.

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 11-11-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MA).
Issue: Deposits and withdrawals

Complaint: I use BBVA Compass for my banking as a long-time customer ( approx. 15 years ), even though I recently moved out of their region. My direct deposit was supposed to hit my account today ( XXXX/XXXX/16 ), but the bank is saying that because it is a holiday, they wo n't process it until Monday, the next business day. For an automated electronic transaction, this makes XXXX sense to me. Are their ATM 's turned off today too? I also tried to set up an electronic transfer online to send some money tomorrow ( in the hopes that it processes by then ) to my ex-wife so that my kids are taken care of, and received a message that the transaction could n't be processed because of the holiday. When I called customer service to complain and ask for an explanation, I was told repeatedly ( XXXX calls throughout the day ) that they have had a software update, and their customer service personnel have no access to accounts. On my last call, I was placed on hold for 25 minutes, and when the " supervisor '' picked up, he promptly hung up as soon as I said hello. Although I expressed my frustration and the fact that I deem this level of service unacceptable, at no time was I rude or engaged in personal vitriol. If a financial institution is going to forbid access to its customers accounts, or refuse to process something as simple as a direct deposit, I believe that it should be required to notify its customers to that effect. The fact that many people are on payroll schedules that might fall on a holiday is a common occurrence, and one that I have seen dealt with before ( I work in XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: Chase has mishandled numerous disputes filed pursuant to the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I regularly check my XXXX and XXXX credit reports on XXXX. Recent check have discovered a collection placed by a company called Midwest Recovery Services for a payday loan from XXXX. Upon further inspection it appears the payday loan company is a scam. I have NEVER applied for nor received a payday loan from this company. I was also never notified of an attempt to collect this debt by Midwest except when it showed up on my report. I have submitted a Debt Validation letter via certified mail with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including my Full Name, Address, Social Security Number, and Birthday by improperly protecting such sensitive leading to the security data breach in XXXX of XXXX. 

They have put myself and millions of others at risk of identity fraud/theft due to their negligent security practices in handling this sensitive information. 

They are also attempting to capitalize on the situation by signing injured parties that they are responsible for up for " trial periods '' of their ID protection services. They are defrauding these parties with deliberately misleading terms of services that waive injured parties right 's to sue the company for such gross misconduct. 

I request that they rectify this situation by making credit freezing free for all injured parties involved in this issue, as well as directly contacting every person affected by this loss of information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX XXXX XXXX My name is XXXX XXXX XXXX for some reason Transunion has me has XXXX XXXX XXXX so I don't know if this is thevreason I can not get my fico 8 Tansunion Score i paid for my scores Transunion is showing 4 accounts 1 inquire and no score on my XXXX credit card with free transunion score 8 it says XXXX score or score not available.

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 05/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: American Servicing Company, also known as Wells Fargo Back unlawfully preyed on me with my mortgage loan. ( predatory lending ) My credit score was over XXXX and they told me I was receiving the best rate possible. After the loan was completed I was told by several mortgage bankers that my interest rate was not commensurate with my credit score. It was much to high. I have since learned that ASC/Wells Fargo has been charged and plead guilty to predatory lending on minorities. I am filing a complaint with the CFPB. I also received a loan modification from them stating they could not lower my interest rate. Once again lying to me. I understand loan modification rates can start as low as 2 %. I am requesting the CFPB assist me in my petition to have ASC/Wells Fargo lower my rate because of the predatory lending they pulled on me. 
Respectfully, 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 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX 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 01-08-2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (AZ).
Issue: Trouble during payment process

Complaint: I have a complaint already with you # XXXX. LoanDepot The company processed my XXXX 2017 payment under the wrong account. I have called the company four times and explained to customer service that they credited the wrong account. They have not yet fixed the problem. 
I can not make XXXX 's payment until they fix this error. No one is helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been dealing with Navient trying to repay my loan for over 2 years now. They have been nothing but rude and unhelpful every single time I have to call them about my loans and I end up in tears by the end of the conversation. I am a single mother of XXXX children and am only able to work part time. I have a co-signer on XXXX of the loans but she is a small business owner, still raising children and can not help me at all with my payments, but Navient seems to think that money just grows on trees. I have to make two separate payments every month, one for {$93.00} and the other for {$160.00}, I bring home {$120.00} a week..that 's {$480.00} per month and I have to pay rent and put gas in my car to get to work. But it gets better, Navient seems to think that the money I receive from Child Support for my children should be used to pay for my student loan every month. This is what has sent me over the edge with this company. They are taking 85 % of my earned income every single month and they think the money I receive to feed and cloth my children should be used for myself instead of them? I have a few choice words for Navient because I am not one of those mothers who thinks its appropriate to use child support money for anything other than my children. I will be writing a letter to President Trump regarding the unethical use of children 's money to pay student loan debt by these rude sharks. Child Support is not my income, my part time job is my income and I am deeply offended by the fact that this company thinks they have a right to money that is for my children. We can circle back to the XXXX these rude customer service people who talk to me like a piece of dirt cause me every time I call asking for their help. I am not trying to default on my loans, I have already filed bankruptcy and my credit is nothing but I am trying, in good faith, to pay back my debt and they are literally robbing me. I just want someone to listen, someone who cares that they taking child support money away from children with separated parents. My children already have it bad enough only having one parent and Navient wants to take it a step further and rob them of money they are entitled to for their own selfish gain. I only made {$15000.00} last year and will only make {$5000.00} this year, Navient will take over {$3000.00} from me, more than half of my earned income. This is not right, this is going to negatively impact my innocent children and this is so, so wrong. Please hear my concerns..Please assure me that something is going to be done about this unethical use of child support monies by this company. I just want to be heard and I want my daughters ' child support money to be used for what is intended to be used for.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Convergent Outsourcing XXXX Convergent Outsourcing XXXX XXXX n't have the rights to collect debt in the State of XXXX ? They are not abiding by the XXXX accordingly to the XXXX of XXXX and they was suppose to remove themselves from my credit report by sending a letter stating to the XXXX XXXX XXXX that they need to be removed. 
" XXXX XXXX XXXX section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in XXXX unless the third party debt collector has obtain a surety bond and file a copy of the bond with the XXXX of the XXXX of XXXX. Also, you can not operate in the state of XXXX with a P.O. XXXX '' I am in need of another XXXX to remove them from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: After failing to work out a viable payment plan with Navient I submitted a cease and desist letter informing them that any further contact was unnecessary and would be considered harassment. This letter was received by Navient on XXXX XXXX, XXXX by certified mail. Navient replied with an acknowledgement shortly afterward but the calls continued to this day, XXXX XXXX, XXXX. I am filing this complaint because today ( XXXX/XXXX/XXXX ) Navient contacted my mother about my account and I feel their behavior over these five months amount to a sustained form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received numerous phone calls from sunrise credit services saying I owe XXXX XXXX XXXX XXXX XXXX XXXX when I tried to ask what the debt was for they said they could n't provide me with a detailed breakdown of whats owed. ( now they are saying it takes 30 days when I have repeated ask for this breakdown ) I tried to contact XXXX XXXX XXXX directly to get information but they too wont provide me with the final bill. I canceled my service with them. I turned in all equipment and if I owed that much money my services would have been cut off long before this debt reached XXXX. I was living in an apartment when I had these services and I believe this is not my debt. a mistake was made. either way why would I pay a debt for services I did n't receive or be harassed with phone calls and letters about a debt I simply do not owe. why if owed this debt does it not show on my credit report if this was from last XXXX. why would any reasonable person pay a debt or write a letter disputing debt if its simply not owed. I cant believe there are actually people who would write a company and talk about a debt they do n't owe. here is the account Information I received. creditior XXXX XXXX XXXX account XXXX another account listed is 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 10-11-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Credit card protection / Debt protection

Complaint: Purchased an ebook from a website XXXX. It has a 30 day money back guarantee if we send in an email stating why we wanted the refund. I did send in an email stating why I was unsatisfied within the time frame and the website owner denied us our refund. XXXX XXXX at XXXX claimed that we had to do additional steps that I was not aware of. I was not aware of these additional steps because you can only see them AFTER they have your money. I then went through my mastercard citi bank card and filed a claim. The credit card company did not investigate my information that I sent in. They used the sellers information that was after I had purchased the product. Please advise how I can get my money back as Citi Bank MasterCard did not do a thorough investigation.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX is fraudulent and has no merit or basis in 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 09/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been making payments on my loan and they have misappropriated my loan amounts in the pass and also make threatening phone calls to my grandmother threatening court etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Grant Mercantile Institute. On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )

Company response to consumer: Closed with explanation