milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MO).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Failed to comply with Federal regulaions and continuing to report a Date on my account that appears to have opened  XXXX   XXXX  seems to be incorrect and false for unverified account  XXXX  account  XXXX  as well as the first reported date of  XXXX   XXXX  I contact  XXXX  myself and was told by  XXXX  that worked there that they are unable to release third party information without a written consent from account holder in which I have no contract with  XXXX  so I contact Experian and they refuse to provide me with any documents with my wet inked signature. They are reporting things that they claim to have verified so multiple times I have asked for the method of verification in which I have a right to ask by law. But they refuse to comply so I have filed a Complaint with the better business bureau and plan to file one with my state attorney General office because of their failure to obide by the law and Instead they shift the burden on me as the Consumer to get the information which is another violation and not even that i disputed this in  XXXX  that was signed by a rep at Experian and they did not at the time note that i I was in fact disputing  XXXX  in which that is another violation that i have my certified slip along with my credit report date stamped as proof.   Yet Experian has failed to provide me with a copy of any viable evidence submitted by  XXXX . Or provide copy of cancelled checks to prove the last payment received is reported correctly.

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 11-04-2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have contacted AES on numerous occasions to discuss my large monthly private school loan in an attempt to reduce the monthly payments. My monthly payment is XXXX and I can not afford this therefore I am late on the payment. Each time I contact them, I am told that there is nothing they can do for me except 3 months at a lower rate of XXXX but with a XXXX upfront payment which I do not have. I have been struggling with this payment and company for 6 years and they will not assist in any way. Because this is a private student loan they do not offer income based programs or any type of reduced payments. If I was a public assistance recipient I would not have this issue which I think is prejudice towards me. If I had known how this company deals with their customers I would have never went to college and obtained a XXXX XXXX. I would have been better off working at a local XXXX. I am very upset and discouraged with our education system and their unwillingness to help. my husband and I both work full time and have not been able to even purchase a home. My payment far exceeds what a mortgage would be. Again it is either pay this large monthly loan payment or do n't eat! there is no way around it. I have cosigners on these loans one of which is my grandfather who is XXXX XXXX XXXX, on a very tight monthly budget and AES constantly harasses him for the payment. I have requested cosigner releases many times but denied. I have other loans with ACS and I contacted them and they were able to reduce my payment plus wipe out the past due and start new in XXXX. I was on the phone with them a total of 10 minutes and it was complete. I was on the phone with AES for over an hour with no results or assistance. If XXXX can help why cant AES. I 'm not sure what can be done but I will continue to pursue this issue and contact my local representatives or whomever to resolve this. 
attended XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account several time the same account is reported   XXXX   on 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 explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

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 10/31/2016 about Consumer Loan (Vehicle loan) with Tidalwave Finance Corporation (CA).
Issue: Managing the loan or lease

Complaint: I bought a 2005 XXXX 2005 last year, And I already had to replace the transmission. And, The finance company That I pay, stated that I still had to make my payments.They only gave me 1 month leeway on my bill, And I still had to pay for the form to get processed. So In still skeptical about this finance company because I 'm finding out they gave me a precomputed interest rate, which means they could of put extra interest on the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/XXXX, I received a credit monitoring alert that " XXXX XXXX XXXX '' had posted a collection to my Trans Union credit report. I called the number listed on my credit report but was unable to reach anyone. 

The presence of this account on my credit report is false and misleading. I would like it 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 07/17/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: somebody calls my work saying my name is involved sensitive matter I should contact this XXXX

Company response to consumer: Untimely response
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/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 08/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have not worked for over 3 years and have reported this to my student loan. I filled out the form for financial forbearance and sent it in. I began receiving harassing calls from Pioneer Credit Company at which time I told them that I was out of work and could n't pay, and to please stop calling and harassing me and when I got a job I will pay. The harassing phone calls did not stop. After I stopped answering the calls they began to harass my wife and now my neighbors. They have left messages on my neighbors phone letting them know that they are trying to collect a debt from me. They are telling my wife that it is her responsibility to pay for my school debt.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I NOTICE ON MY CREDIT REPORT   XXXX   XXXX   NEVADA ADDRESS AND I NEVER LIVED IN   XXXX   XXXX   NEVADA. I DO HAVE FAMILY IN   XXXX   XXXX   NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE I SSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL   XXXX    XXXX , EQUIFAX,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    THESE ARE NOT MY DEBT. NEVER LIVED IN   XXXX   XXXX   NEVADA.   PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: Got a XXXX from American Express for XXXX in ammount of {$1200.00}. I have not had a card since XXXX and my account was written off in XXXX. I have phoned American Express numerous times and have spent at least XXXX hrs on the phone with them explaining the issue. I get transfered around and around to the same depts over and over and they all say I need to go to the other dept. to get answer but never get anyone that can answer it. Ask to talk to some XXXX in XXXX and they say I ca n't and they ca n't transfer me there. This will effect my income tax this year but I never got any interest. It was written off in XXXX and given to another outside collection agency. The amount they say they paid me in interest makes no sense because the amount written off was WAY more. They refuse to help me and I am trying to do my taxes. If I do n't get a response I am leaving it off my taxes and will hold American Express responsible for any consequences. I have informed them of that and they do n't care. Very hard to talk to someone in a foriegn country that does n't even know the form I am talking about. They keep calling it a XXXX XXXX even though it is a XXXX XXXX. This company is terrible and should be held responsible for its business practices. I need this resolved and reported to IRS I did n't get any such payment. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: If have been trying to get a loan modification for nearly a year. I have been getting the run around and I have been lied to on several occassions. I have applied for previous loan mods at least 3 -4 times over the past 3 years. I applied when I made more money but was not eligible for a loan mod and got turned down. I applied again when I made less and was still turned down. I appears to me that they are unwilling to help me. Since the most recent attempt to get a loan mod I have been told that documents were not received when I had confirmation that they were delivered via fax. I was sent notices to a database when I never set up to receive documents or communication that way. I was supposely sent documents from the lender but did n't discover it until I called for follow up. Had I not followed I would have missed significant deadlines that would have disqualified me entirely. I was promised that the point of contact would check in with me on a regular basis and that did not happen, I was asked to send more documents when I had already sent them. All of this confusion with the mortgage company took more time to than it should have and in the process my job ended. ( So now I am not approved for a loan mod nor eligible to refinance. ) I am in a Option Arm loan with an interest only payment option which will be done away with and this will subsequently make my monthly payments unaffordable as I used the interest option because it was most affordable. It is my belief that Bank of America has never had any intention to help me keep my home. A loan modification would help me avoid a catastropy of potentially losing my home of 17 years. <P/>My last loan modification attempt was denied in XXXX 2017. A letter was sent on XXXX XXXX 2017 appealing their decision and requested a reason for the denial because it was ambiguous and nothing was received from the lender. I called yesterday and today and finally got through and was told that today was my deadline to appeal the decision. Imagine if I had n't followed up again what would happen? I believe the lender is trying to set me up for failure. I can not refinance my house due to my employment status. I am seeking assistance in making my home affordable. <P/>The name of my lender is Bank of America. My loan number is # XXXX. My point of contact is XXXX XXXX, Home LoanTeam Point of Contact. XXXX XXXX, Resolution Specialist in the Executive Mortage Servicing Compalints Unit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX. Credit bureau service is reporting another ladies information on my report. XXXX XXXX XXXX. I would like her information moved of my credit report at once. I have great credit and is obvious this XXXX XXXX XXXX does not. Her dob does n't match dob. Her social security does not match mine. This is hurting my credit. Just because the worker are to quick to put info in get a job done. That they are not paying attention to the information. Please get XXXX XXXX XXXX of 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 12/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RE : XXXX XXXX and Portfolio Recovery Associates , LLC ACCT : XXXX On XXXX/XXXX/16, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XXXX/XXXX/16 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: It has bee over 60 days and no response from the Equifax. Please have to correct or remove this information ASAP! As I can not get credit do to this errors. 


XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Equifax XXXX XXXX Imply an investigation on the creditor, payment status, high credit, and the 24 month payment history. 
XXXX XXXX XXXX XXXX I am puzzled on this accounts information such as the payment status, comments, high balance, and terms. 
Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX Can you make sure my name is presented completely. 
Update. XXXX XXXX XXXX A verification is needed on the status, comments, and the payment history. 
There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX HM MORTGAG XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff. 
XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have tried multiple times to dispute fraudulent and incorrect information on my report with Experian. Experian claims to never receive the documentation I mail to them, and denies all responsibility for investigating- claiming they need documents. They have started refusing to investigate disputes- which is a violation of my TX state and federal rights as a consumer. I have plenty of documentation to support my identity theft and that these accounts do not belong to me! 

I have called on multiple occasions and spoke with customer service, only to be told they no longer use fax, and to upload the documents online. Yet, Experian has locked me out of the ability to view or dispute information on my report online, and has also locked me out of the online document upload function. 

I am an identity theft victim, and have piles of documents to justify deletion and/or correction on the accounts I have been attempting to dispute. Experian is the only bureau that has repeatedly blocked me or locked me out from being able to dispute. I have not encountered this level of difficulty with ANY OTHER BUREAU! 

Again, I HAVE DOCUMENTATION TO SUPPORT MY DISPUTES. So much so, that even the original creditors have begun sending me letters explaining in detail that accounts had been opened fraudulently! Experian refuses to accept any of it, and claims to continue " losing '' or " not receiving '' my certified letters. If I ca n't reliably send this in my mail, how am i supposed to dispute this?? Experian has locked me out of every available option after I called explaining my trouble with this to customer service!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (IN).
Issue: Problem with the payoff process at the end of the loan

Complaint: The original complaint is XXXX about XXXX XXXX XXXX, XXXX..You may look there for reference. You will that the company offered a settlement of {$3000.00} for 5 months at {$600.00} per month beginning tomorrow. I was told by their attorney that I would be receiving a document with the terms outlined and she wanted me to sign it and send it back. I have waited at least 3 weeks or so for the document. It never arrived. Therefore I am taking this as the company pulling it 's settlement offer. Which is fine, I am now placing a new settlement. This is not an offer. I gave them the opportunity and responded by toying with me. I will not be a part of such a farce. I will draw up my own non-negotiable settlement and send it to the company. I will pay {$2800.00} on or before XXXX XXXX XXXX. PERIOD! Any and all collections attempts will cease immediately, if not I will begin the Administrative Procedure starting with an XXXX. This is not up for negotiation, I was not given any warning of their change of plan. This is what it will be. Period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I had sent a letter to this Creditor asking for verification of this debt, the original signed contract as well as payment history for the account. It 's been over 45 days and I have not received any notifications or validation of this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac Loan Servicing is filing foreclosure NOTICE of order etc with county registry of deeds during Hamp Streamline Loan Modification TPP. They have cashed 2nd check and yet are moving forward illegally on fabricated documents to foreclose dual tracking non compliance fed & state laws. they must be stopped from this illegal action to illegally take my house, while I am trusting the documents they are sending indicating I have qualified for STREAMLINE HAMP no doc, just send payments and they will provide Hamp Affidavit and 2 copies of loan mod for notary signature. they indicate 3 % fixed etc. IT IS OUTRAGEOUS THAT THEY ARE PROCEEDING WITH PHONEY DOCUMENTS WITH A FORECLOSURE BEHIND MY BACK. IT WAS DISCOVERED BY A FRIEND THAT THE DOCUMENT WAS FILED IN REGISTRY OF DEEDS XX/XX/XXXX THEY MUST BE STOPPED AND FORCED TO ANSWER AND COMPLY I HAVE WRITTEN REPEATEDLY TO PENNYMAC CEO XXXX TO COMPLY WITH LAWS.

Company response to consumer: Closed with explanation