milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent Experian XXXX seperate letters asking them to verify the accuracy or remove the unverified accounts listed on my credit report. 
Experians XXXX response was that it was a SUSPECIOUS REQUEST and not sent by myself, even though I enclosed a copy of my drivers license and social security card. 
I have not recieved a response to my XXXX letter mailed on XXXX XXXX, 2015, and recieved on XXXX XXXX, 2015 as of yet, Today is XXXX XXXX, 2015 and the 30 days allowed has passed with no response. 
Enclosed you will find copies of both letters sent by CERTIFIED MAIL. 
Also enclosed is Experians response to my XXXX letter. All of which is in clear violation of the FCRA and Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST XXXX MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN XXXX A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM TERMINALLY ILL WITH LESS THAN ONE YEAR OF LIFE LEFT I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM DEAD SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SN SERVICING CORPORATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I learned that when I first received my loan I was called a week after and told by the agent that he was sorry that he put me in a bad loan and after 6-8 months I should refinance my loan as quick as possible. With all of that said and the attorney that I was working with also said it after the fact that it was n't any good. I have been trying to get a modification on my loan for the longest. I have went to several different people that said they could help me withe modification but only took my money and did nothing. I have also went to attorneys to seek legal help and they too only took my money. I have been seeking help for some time and every time some one tells me that the bank is going to give you the modification they turn it over to another server.My loan has been turned over to about XXXX different servers that at one point has said yes and then given it to another server to say no. 
And from my understanding no one is supposed to be paying for a loan modification but yet I have been paying thru the nose. The attorney that I have now has put me in a chapter XXXX and I have been paying the trustee and was paying good faith payments and the attorney said that I have a modification, only to find out a week later that it was turned over to another server and they said no that they will not give me the modification. He then told me that maybe I was XXXX XXXX and the banks can do whatever they wanted to do! On top of the trustee paying him {$18000.00} to do a loan modification. I really need someone to help me with this. How is it that the trustee is paying him all of this money to get a modification? Plus they want me to pay them XXXX for when I stop paying when they transferred the loan to the other server and {$14000.00} for the taxes that are due right now.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (TN).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I offered a settlement of {$1000.00} I turned in the police report, the estimates, all paperwork needed to have a settlement, off a settlement of {$2300.00}. I was told that because I did not have the accident., but the police report showed that I did not or was not at fault. I would like the calls ran because I was told by XXXX XXXX that everything would be fine once all documents were submitted. I find this constructive/ set up, and need actions handled. The car I own was in the accident and we were not at fault. That should not be a reason of denial. I have paid well over the 60 month agreement. These are late fees attached and 2 payments behind. I gave a fair solution were we all would come out on top.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has lost an automated payment made to my student loan account, and refuses to correct the situation. My bank has provided Navient with documentation showing the payment was made yet the issue is still not resolved a month after the lost payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMERCE BANK (IL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: In XX/XX/XXXX I did not get a bill from Commerce bank and they put a negative remark on my credit history as missed payment. I have been making payment to them and even told their representative about not getting the bill but they did not pay attention to it and they even closed my account. I have paid the balance down since XX/XX/XXXX from XXXX to XXXX as of now. After they closed my account and put a derogatory remark on my credit report i have been denied credit by other credit card company to even increase my credit line so that i can start a new business. I am going through a hard time as a result of this action of Commerce bank without my knowledge and inspite of them putting my wrong SSN in their system which again gives me hard time to get to right person in timely manner through their automated system. 
I need this negative remarked moved from my credit history and this credit card reopened. I am willing to pay it off in next 60 days. Please help me I have a family to feed and I have been a very responsible person to pay down the credit card and this is really irresponsive of Commerce bank to do this to me without even notifying me and giving me enough time to fix the problem even though the problem did not happen because of my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit line increase/decrease

Complaint: I was approved for a capital one XXXX card with a credit limit of XXXX on XX/XX/XXXX of 2015.  A few days after being approved I logged in online only to see that my new card was restricted. I called in immediately and notified them of the message I received  to the representative, only to transferred from rep. to rep. and placed on hold for long periods of time until I eventually hung up with my issues still unresolved. I filed a XXXX complaint and its been XXXX days and there has still been no response. I feel that capital one is intentionally blowing me off.  How do you approve someone for a credit card and immediately restrict it with no explanation?  I applied for a few other cards the same day and had no issues.  please resolved this matter A.S.A.P or I will cancel my other existing account with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: I am trying to work with Experian to get my credit freeze lifted. 
They were not able to process my request online. Their website suggested I try the online upload. When I did, it said it was not able to accept my upload. 
Now they are requesting a letter, state id, bank statement, and copy of my social security card be mailed directly to them. 

My complaint is this. Experian is asking me to send everything anyone would need to steal my credit in the mail to a known online published mailing address. Literally asking me to create a nice little package for anyone to steal my identity and drop it off at the post office. 

In my opinion, this is highly insecure!

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 09-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX, I sent a certified letter to Americas Servicing Company ( ASC ) owned by Wells Fargo Bank N/A. I requested the following information, is Wells Fargo the current investor of our note which is located within XXXX XXXX XXXX XXXX. I further requested to know what Wells Fargo role is with XXXX XXXX XXXX XXXX and does Wells Fargo know where our original note and our original deed of trust are located for the above mentioned property. On XXXX XXXX XXXX, XXXX sent us a letter stating, Acklodgement receipt of inquiry. Then, on XXXX XXXX XXXX, ASC sent us another letter stating, we were the servicer of your account. Wells Fargo is the investor of the loan and XXXX XXXX is the trustee. ASC included within the letter a copy of the Adjustable rate note dated XXXX XXXX XXXX, loan # XXXX. A couple days later, I received a call from ASC regarding this issue. I said that we refinanced this loan on XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I sent ASC the documents to prove that there loan documents are Null and Void. I requested that ASC reflect that this account was transferred to XXXX XXXX XXXX in XXXX and Wells Fargo is not the current investor. On XXXX XXXX XXXX, ASC sent us another letter stating, our records indicate that the account number referenced loan is no longer an active account. ASC further stated, since we are not currently servicing a loan associated with your property, we are unable to provide investor, trustee or servicing information. Now, we already know who our servicer is along with our trustee. I requested to know from ASC which is owned by Wells Fargo Bank if they are the current investor. Wells Fargo may have purchased this Note/Deed of Trust recently! If Wells Fargo is the current investor, we request to have a certified copy of the original note, a certified copy of the original Deed of Trust and a certified copy of all assignments going all the way back to XXXX XXXX XXXX of when this note was sold and by whom. ASC stated that Wells Fargo is the investor and XXXX XXXX was the trustee but tried to use the old mortgage documents from XXXX reflecting ownership of our note! These documents are Null and Void since there was a new lender in XXXX, XXXX XXXX XXXX! ASC still has not answer my inquiry if Wells Fargo is our current investor of our Note/Deed of Trust. Security Exchange Commission does in fact have Wells Fargo Bank N/A listed with XXXX XXXX XXXX XXXX. Wells Fargo Bank also has assets within this securitization trust! Fraud and robo-signing has occurred in the past including within our note and possibly in XXXX loan trust XXXX. Request an investigation into this matter.

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 12-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My servicer will not give me a deferment or income based repayment plan. They tell me my co-signer can pay it. Why would I do that? I just need a lower payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Collection Service, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Mortgage) with PNC Bank N.A. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I lost my home to foreclosure. There was a XXXX and XXXX mortgage, both held by PNC ( aka National City Bank ). XXXX mortgages were recorded. 6 months after the foreclosure, I was contacted by PNC as to how I was going to payoff the XXXX mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX 's for XXXX the XXXX and XXXX and filed them with my XX/XX/XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XX/XX/XXXX XXXX XXXX contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as XXXX XXXX, XXXX reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from XXXX a XXXX Mortgage Discharge for this XXXX mortgage that was XXXX in XXXX. I 've heard and read multiple places of this criminal activities by XXXX XXXX which has been closed down by the Feds, and now is XXXX XXXX doing exactly the same criminal things.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: Hello, I have a big problem with Wells Fargo bank my wife rented a vehicle from thrifty car rental, and gave them my debit card as a XXXX ID. she is not on my account, nor is she an authorized user on my account. she used her own credit card for that rental. a couple of weeks after that they charged my debit card XXXX dollars, i called them and they took it off so i called wells fargo, and told them that i feel that i am going to have issues with this company and to please cancel my debit card all together, which they did and the agent said as long as there is nothing on the account now they can not charge anything on this account about a month after canceling my card they charged my account XXXX i called right away and was issued a temporary credit and they told me that they needed a statement of what happened which i did on XXXX separate occasions, and i have the emails to prove it. Last week i got a letter stating that they are going to apply the credit back to my account because i did not send the proper information. i called an agent on the XXXX of XXXX and spoke to her. she said she will submit a request for more time to investigate on the XXXX of XXXX they applied the XXXX to my account, and now i am overdrawn for that amount. i called and warned them that i would call CFPB and FDIC and the agent bluntly told me that i have that right but that i have that right but that the bank also has the right to close m, y account at any time, which i do n't want they are a great bank, but this is a case of somebody not doing their job. i have since separated from my wife, but anybody can check with thrifty my name was never on that contract, and i never signed for anything. Please help me with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Without any explanation other than saying " fraud '', my American Express Serve prepaid card account was closed. I had a positive balance of over {$1000.00} dollars which they have taken away from me. They will no longer discuss my account with me, allow me login access, nor provide any statements. They have provided no evidence of fraud nor a legitimate reason for closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I found inaccurate information on my credit report and set my disputes in to all XXXX major credit bureaus. With my letter I included my ID, SSN and proof of address. The date of the bill was for XX/XX/XXXX. My dispute was dated for XX/XX/XXXX ; I had not received my bill for XX/XX/XXXX yet. In the response that was received by TransUnion, it states that my bill is unacceptable. In the list of what pieces to send TransUnion, it states : ID, SSN and proof of address. That is exactly what I had sent. It is my belief that this is only a stall tactic, which is a violation of my right to dispute inaccurate account pursuant to the FCRA. The bureaus are known for this and although it may work with someone else, I know what I am doing and will not allow for this to happen. I am uploading all of the documents that I originally sent to them and will include this complaint with my letter I am sending to TransUnion tomorrow. I expect for TransUnion to process my disputes according to my rights afforded to me under the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I would like to have them removed because they causing me financial and emotional distress because of their derogative nature.

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 reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Three times in the last two months I sent Equifax a copy of my drivers license, power bill, as requested. I got a form letter telling me I received my free report from them in the last year, and to purchase my credit file with a credit card. NO I HAVE NOT RECEIVED MY FREE REPORT FROM THEM SINCE XX/XX/XXXX Repeatedly I respond with the same information to no avail. I am entitled to my report and I want it - NOW. They do not give any way to contact them online without answering the same information over and over. My paperwork was lost in Tropical storm XX/XX/XXXX so I do n't know all the answers to their questions anymore. If they bothered to read my letters they would see why I need my report. All they want is to pressure people who need their reports into paying for them. This happened since XX/XX/XXXX but I did not take time to report them. Attached are copies of previous letter and material sent pay stub, birth certificate and more showing my address and who I am when requesting my free annual credit report

Company response to consumer: Closed with explanation