milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (GA).
Issue: Problem with customer service

Complaint: 4 months ago I set up an account with Experian with the goal of paying for a single month for service both myself and my wife. The agreement was to pay XXXX for each account until I cancelled it by phone. After the first month expired I contacted the customer service number numerous times and have failed miserably. I have wasted no less than 10 hours on the phone trying to get to representative to no avail. In the mean time Experian has charged me the XXXX x 2 each month for the past 4 months. I would love to speak to a customer service rep, in order to cancel this fraudulent service and recoup my hard earned monies with the exception of the 1st month for which I have agreed.

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 01/18/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This complaint involves XXXX XX/XX/XXXX and management of the Public Service Loan Forgiveness ( PSLF ) program. I have been a public servant ( XXXX ) for over 15 years and have made student loans payments nearly this entire time and was subsequently found qualified by the DOE for the PSLF program. As XXXX is the only contractor allowed to service PSLF,  my federal student loan was subsequently transferred to XXXX in 2017. I  went through a grueling process of filling out and sending all the required forms for the various XXXX I XXXX at ( my husband is also a public servant XXXX employee and is moved frequently ) and was rewarded by XXXX providing denials to all my qualified employment for vague and unsubstantiated reasons which can not be resolved because they did not clearly identify reasons nor the specific employer they were addressing in their denials! As a long-time dedicated public servant who has struggled my entire adult life to pay my students loans on time and then thrilled to learn I was found qualified for this program, it is truly disheartening to be thwarted by unsubstantiated and seemingly arbitrary decisions made by a private servicing company. In addition, XXXX did not even have the courtesy to send me a letter or alert me to the denials! I only found out by visiting the website, logging in and looking under 'electronic letters ' to find multiple denials. Despite only being given '90 days ' to have my EMPLOYER send in a new verification form - I got NO emails, NO letters in the mail and thus could not respond within the given period. Even then, why would fedLoans not just inquire of the employer directly? In light of my own experience, and experiences of others reflected in several recent lawsuits filed against XXXX for their handling of this program, it is clear this company is not properly implementing and actively disparaging the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax of all the credit reporting agencies is wildly inconsistent and unresponsive. Both XXXX and XXXX reflect most closely my XXXX, and payment history. I have attempted to correct it with Equifax with no success and I am not alone. My wife has also experience identical issues. Both our credit scores fell over XXXX points! This came about after we refinanced a vehicle ( with a perfect pay history ) and they had not removed the old loan. Equifax also is reporting inaccurate open credit, and credit I have not signed for. 
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 
There is a clear liability when XXXX credit reporting agency does not reflect reality and is disruptive to my credit profile and ability to borrow or get decent ratesXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease

Complaint: I was cosigned on a car loan through Wells Fargo. The car was totaled in an accident in XX/XX/XXXX My granddaughter 's insurance paid a settlement sometime before XXXX XXXX. There was a remaining balance. I did not find this out until XX/XX/XXXX, when I returned a call from collections. Meanwhile, Wells Fargo had been reporting that a deficiency existed on the account to the credit bureau. As a result my credit score dropped from excellent to poor. When I asked them point blank " Why was n't I notified? '' they could n't give me an answer. Had they notified me at the time of the settlement, I still had excellent credit and the ability to arrange for immediate payoff of the balance. They should have given me written notice so that I could have had the necessary information in hand. I simply was not kept apprised of the change in the account. I faxed a complaint to their dispute resolution unit and was promptly ignored via an unsigned boiler plate response. Knowingly or not, they manufactured a deficiency against me that would have never come about had they given me written notice. I have taken over the monthly payments since this situation arose. I would not be making these payments had I been afforded the opportunity to pay this loan in full when my credit score would have provided the means to do so. 
My credit report speaks for me, reflecting a long standing excellent credit history. Good credit is vital to my personal finances as I am on a fixed income. This deficiency is the only mark on an otherwise excellent credit record.

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 01/13/2016 about Debt collection (Payday loan) with High Point Asset Inc (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: High Point Asset Inc : They called a old work number and other family and friends and I do not appreciate that, they need to stop I do n't owe them anything and neither will they show me anything saying I owe them anything. STOP CALLING ANYONE OR ANYTHING HAVING TO DO WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never received right to dispute or demand letter. i found out i had this debt from my credit report, I sent a letter to them demanding verification to no result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit line increase/decrease

Complaint: I have a Walmart Credit Card. My balance was near the limit and I have been making the payments consisting for the past two years. Just now I have been attempting to improve my credit score and I made a large payment and now after Walmart Credit has decided to review my account and reduced my credit limit which is now going to hurt my credit score instead of improving. Never mind the fact that I have made every payment on time and now that they see I am attempting to reduce the balance which help my credit rating they decide to take action after I made a substantial monthly payment. I seriously questioned the timing and they can use whatever excuse they want but they are wrong. Now my credit score is going to go down. Consumers need to know how Walmart Credit operates. They do n't base on you being a loyal customer who pays their monthly payments on time they decided to do a credit check after they received my payment on XXXX XXXX. I do n't buy it because they know I am attempting to reduced my balance and I will keep doing it until this account is closed. Done with XXXX company.

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 08/22/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I left my home because of a job transfer in XXXX. I attempted to sale my home ( Loan # XXXX ) in XXXX but CitiMortgage took so long to approved it, the buyer pulled out. During that time the housing market started to deteriorated and I found myself upside down on my loan. I could not afford to pay for XXXX homes and I defaulted on my loan with CitiMortgage. I attempted a deed in lieu of foreclosure, but CitiMortgage denied it, alleging the title was not clear due to an erroneous entry for the satisfaction of a second mortgage by the previous owner. CitiMortgage have continued to charge fees on this loan for the past 7 1/2 years to the point the fees owed are more than the actual mortgage balance. I was notified twice by CitiMortgage the property would be foreclose on, but never did. Today, XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and I requested another deed in lieu of foreclosure, but she told me because is an active foreclosure, no date set for auction, they could not do it. She said I could try a short sale. CitiMortgage never offer me any other help or recommended any solutions this situation. 
CitiMortgage continues to force me to carry this bad debt and I have not been able to purchase another home for my family.

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 10/22/2017 about Checking or savings account (Checking account) with UMB BANK, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Someone got a hold of my debit card number and charged a few items to my debit card

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX stating they have submitted a request to the major credit reporting agencies to delete any delinquency that occurred from XX/XX/XXXX to XX/XX/XXXX. In addition, XXXX also sent me a letter on XX/XX/XXXX stating they have requested the credit bureaus remove the inquiry on my credit profile dated XX/XX/XXXX and I sent the letters to Experian and I 've called a number of times and they are not being helpful in updating and correcting my credit report. Please help me! Thank you in advance.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: LVNV funding has been re aging a collection account, which is causing me a financial hardship and purposely defaming my financial history as well as, purposely causing my score to decrease. LVNV deletes the account from the credit reporting agencies then adds the collection account as if it is a new one. Directly causing my score to go down. A direct violation of my rights according  to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TX).
Issue: Struggling to pay your loan

Complaint: Hello I have a loan with Covington credit. ( Southern Management ) I have missed XXXX pymt..and my  XXXX pymt is not due until XXXX XXXX the branch manager ( XXXX ) is very rude and keeps threatening to call my job and they have came to my home and left a letter take it this is my XXXX loan with them I paid off the first one.they are very harnessing about {$98.00} dollars please make them stop my intentions are to pay I am having financial issues right now.

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I previously submitted a complaint regarding GA XXXX XXXX XXXX which were re-inserted on my Equifax credit file. This is credit discrimination! These files were previously deleted from my file in XXXX and have been paid and released. All XXXX GA XXXX XXXX Liens must be removed from my file. They should not have been reinserted in my credit file. This is illegal to reinsert information which was previously deleted from my file and is a form of Retaliation because I filed my complaint against Equifax regarding other matters in XXXX and XXXX. This is a retaliatory act. The XXXX XXXX XXXX XXXX has the XXXX liens as paid in full. Take it off my credit report. Equifax has a extreme habit of attempting to XXXX minorities XXXX and this is XXXX prime example. The XXXX GA XXXX XXXX records must be removed because they have been paid and should have never been reinserted on my credit file. Also, the statue of limitations states that Public Records can be removed after 7 years, and they were removed in XXXX, after being on my credit report since XXXX. They should have never been reinserted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCR A 605B. 1. )   XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. 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 02/20/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to Equifax asking them to investigate errors on my credit report on XXXX XXXX. I requested that they mail me the response once the investigations were completed. Over two months have passed, and I have not received the first response back from Equifax, and I 've even sent two follow-up letters.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I had fallen behind in my payments due to many unforeseen medical issues starting when my son had to have a a XXXX XXXX removed. My wife has also had many ongoing medical issues the past several years. My mortgage was originally with XXXX XXXX XXXX, then it went to XXXX XXXX then with XXXX, and now it is with Fay Servicing. Beginning XX/XX/XXXX of this year I applied for a loan modification with Fay Servicing. I sent them all required income and bank information they requested and was told our household income was sufficient to qualify for the modification. Then on XX/XX/XXXX of this year i received a call from my account manager XXXX XXXX  informing me that I had been approved for the modification. I was relived beyond words. I was then and am still now committed to stay in my home. Then two days later onXX/XX/XXXX XXXX XXXX called again to say I was not approved due to a problem with the mortgage insurance company. He stated that I was approved by Fay Servicing. I appealed this decision through Fay and just recently received notification that my appeal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: got response from experian that they are unable to honor my request based on the limited amount of information I have provided when I only ask you deleted outdated information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: USAA failed to put on their " home '' page of their website that they cater to military personnel and their families when it comes to applying for credit cards. I input my personal information on their website only to be informed that I was not eligible because I was not of military background. I spoke with a representative and requested that they disregard my information as I found their website misleading she stated they have to keep it. I told her the website needed to state on the " home '' page only military personnel and /or family members of military personnel are eligible to apply for a credit card. I want my information shredded and USAA to put on  their home page who is eligible to apply for a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had to go to the hospital and CMRE ended up slapping with a debt I do not owe and my MEDICAL INSURANCE already paid.

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 10-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been receiving mail from CapitalOne addressed to me, and to another individual I do not know, and has never lived at my address. I am a credit card customer with CapitalOne. 
I originally contacted CapitalOne on XXXX/XXXX/15 regarding this issue. They took information from me, including numbers off the mailing. They also had me put the letter back in the mail as return to sender attn fraud dept. 
I was told they would investigate and get back to me. I have yet to hear from them. 
On XXXX/XXXX/15, I received another letter from CapitalOne - addressed to me and the same person I do not know again. I contacted CapitalOne again, and was bounced from department to department, and hung up on/disconnected twice. I also attempted to resolve the issue through there online chat, where I was told to call again. 
I attempted calling the fraud department directly, which answered very promptly, but was told they could not help me and transferred me to another dead call. 
I attempted to contact CapitalOne multiple additional times. Each time, a message stated they were experiencing long wait times. After several hours of trying to get a human on the line that could actually explain what was going on, I gave up for the day. 
I do n't know if this is fraud related, but somehow CapitalOne has my name and address associated with another individual. This does not seem like something that should be occurring.

Company response to consumer: Closed with non-monetary relief