milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.

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 11-10-2016 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (CO).
Issue: Unauthorized transactions/trans. issues

Complaint: I was directed by the company that confirming funds with a 3rd party via their phone system would be safe and secure, as long as the card number was only keyed in and not spoken. As this seemed odd, I called back and another, different employee also assured me that it was safe and secure to key in the number. I followed the company 's official 's directions and keyed in the number as directed. As a result, the other party somehow obtained the number and withdrew {$500.00}, stealing the balance on the card. 

I record all such calls and have both agents as well as a supervisor assuring me that keying in the card number is safe. I have explained what happened and have attempted to get a refund, but the only response I get is that no one is authorized to do so. The company, owned by Blackhawk Networks, is having it 's employees give incorrect, dangerous, and harmful instructions on how to use their product, ReLoadIt. Myself and other have experienced financial loss and damages while using their products as directed by their personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I 've been paying my car loan for at least the last 4 years. With a maturity date of XXXX/XXXX/2018, I calculated that on my current monthly payments, I would still owe over {$1600.00} on the loan. After contacting the bank, the explanation given was n't clear, making me think there would be a " balloon payment '' at maturity. If so, it was n't explained to me when the loan was issued. Even though I 've requested 2 extensions during the life of the loan, I do n't think the fees + interest would come close to {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Medical) with State Collection Service, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A medical company I am a client of XXXX XXXX has claimed for some time that XXXX owe them money, but can never say what for. So because I continued to challenge them on the issue, they sent their " alleged : debt to a company called State Collections. They started calling me. The first call was a live person, who demanded to know all my personal information. When I refused, she said that I would be sued if I did not pay the debt. I told her she would have to send a letter stating who they were, who they were collecting for, and how much the alleged debt is for. So far they refused, and since I did not handle this over the phone they placed it on my credit. Now I receive " robo calls '' from State Collections daily. No person on the other end, just a message that they are debt collectors. I am trying to get this removed from my credit, and I have complained to the local XXXX about XXXX XXXX. State Collections have called before XXXX and after XXXX on several occasions, XXXX time being called as early as XXXX and as late as XXXX. I need these people to follow the law, and at the very least, send a letter stating their purpose so I can respond. Calling them back does not result in any communication either. You sit on hold forever.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Money transfer, virtual currency, or money service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DE).
Issue: Confusing or missing disclosures

Complaint: I purchased a {$100.00} moneygram money order and it was in my possession for a period of time I deposited the money order to open an account the money order was returned insufficient funds I was provided with a paper copy I called moneygram and was advised because I had it over a year it was no longer worth {$100.00} which I did n't know It was now worth {$70.00} but there were additional fees of {$18.00} to get my money back from the company none of which was explained when I purchased the product

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never received any letter from Nationwide Recovery Service stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Nationwide Recovery Service. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all 3 of my credit reports to go down significantly. This is a violation of the fair credit report act and HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient h as a 90 day late payment on my credit report that should not be there. I had contacted them several times about deferring my loan, which I was told happened in  XXXX  of  2016.  I now see a 90 day late payment from time frame  XXXX   2016    to  XXXX     2016.   This is effecting my credit by about  XXXX  points, keeping me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with LEXISNEXIS (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Seemingly out of no where, Lexis/Nexis is reporting to my bank (   XXXX   XXXX   XXXX   )  that I am " deceased ''. Using information supplied by Lexis/Nexis,   XXXX   XXXX   XXXX    cut off my credit and debit card and froze my home equity lines. .  XXXX   XXXX   XXXX   has done an excellent job in reversing these errors and getting my card and line access reinstated. I reported this issue to Lexis/nexis and they said they would review my case but it would take up to 60 days. ( Lexis/nexis number  XXXX  ) However, as of   XXXX  , LexisNexis continues to report that I am " deceased ''. I am very concerned that this continued report of erroneous data will impact my other banking relationship, credit etc.    I want Lexis/Nexis to fix their reporting issue and stop providing this erronerous info about me to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I had an ach payment returned in XXXX which I paid as soon as I saw the bank returned it. ( Within a few days ). Not only did this mortgage company charge a return check fee on an ach but without telling me put a certified funds only hold on my account. I have been trying to make my payment for the past 2 weeks and they refuse to accept it. They want me to spend more money and send it by XXXX XXXX. I offered my debit card and told them they could run it because if they were worried about the money not being there they would know with me on the phone because my debit card wo n't work if the money is n't there but that I have the money & I 'm just trying to pay them. Even the supervisor said they ca n't accept my payment. I am worried that I may lose my house because I am now over 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had accounts with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX who all were hacked and had information stolen. XXXX XXXX XXXX gave me an Identify Theft Protection subscription from XXXX. I was notified by them that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name Stellar Recovery had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called Stellar Recovery and according to them, XXXX on XXXX of 2015 assigned them an account to collect in my name. Stellar Recovery told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told Stellar Recovery that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am, I am a XXXX when this took place. I shared that I have XXXX when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections to that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them XXXX times ( XXXX different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still have not heard from them and my credit is being hurt because of them. The proof I sent was a notarized letter from my XXXX in Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. If you contact me and give me a fax number I will fax you the proof I mailed to XXXX which was a notarized letter from my XXXX Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. My cell phone number is XXXX. Please help me. Thank you and have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: When applying for a job I learned that there are XXXX unidentifiable Bankruptcies on my Experian credit report in XXXX 2014. XXXX is dismissed and the other is discharged. I have been disputing this with Experian and every month for the past 9 months ( XXXX times ) it comes back as verified. Finally called experian and they told me that have verified the information as correct. I asked them to call the courthouse. XXXX came back on the phone and said the number is busy. I asked her to verify the number which she said XXXX. The number is incorrect I advised her the correct number is XXXX. Which also led me to research the address Experian had for the courthouse on my credit file. The address Experian has is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is the XXXX XXXX not the courthouse. The correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I asked Experian how can the verify the Bankruptcy 's are mine with the incorrect information they have for the XXXX courthouse to be able to verify the accuracy as correct. They could not answer my questions. I have spoken to XXXX different employees. I as also rudely treated. I also noticed that the dates they have changed from month to month. I called the courthouse and spoke to XXXX. She said XXXX called and only asked for information on XXXX XXXX and gave docket number. The courthouse is not permitted to provide information on the social security numbers. Federal Bankruptcy Law Rule 1005 and Rule 9037 does not permit full social security numbers to be either given or provided to. Can verify with an address. The address the courthouse has is not my address nor has it ever been my address. Because of Experian Unlawful practices they are putting a tremendous hardship for myself and my family. I am unable to obtain gainful employment in the industry of been in for over 25 years. I am unable to obtain credit etc. They are breaking the law FCRA. If this is n't taken off my report I have an attorney ready to take my case which is cut and try. I have all supporting documents and a file XXXX feet high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Collection agency has repeatedly called me after  XXXX  since  XXXX / XXXX / 2017 . I have called the company back on  XXXX / XXXX /   2017  and told them to stop calling me so late. The calls still continued. This is in violation of the FDCP A 802 ( a )  and the company has not sent me any notice after the initial contact on  XXXX / XXXX /   2017  when I spoke with them. Collection agency also did not tell me what this collection was for when I spoke to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Struggling to pay mortgage

Complaint: My mortgage is currently serviced by Nation Star Mortgage. This mortgage debt was discharged in a Chapter XXXX Bankruptcy in XXXX. Since the discharge date, Nation Star Mortgage ( NSM ) has promised to re-establish a new mortgage note, but has never followed through. NSM has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX. Pro. No. XXXX, XXXX. # XXXX XXXX XXXX. XXXX. NY XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX XXXX. NSM is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. NSM has also refused to issue a restatement quote to me as well. They claim the balance due {$58000.00} and the past due amount is {$8700.00}. These figures appear to be severely distorted since the original loan balance was {$54000.00} in XXXX. I should be paying the loan in full at maturity in 7 years ( XXXX ). The overall distortion of the balance, payments and escrow are clear violations of RESPA as well. NSM has imposed a foreclosure sale date of XXXX and I do not want to lose my home. I feel cheated and deceived by NSM and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: CFPB submitted Dispute # XXXX on my behalf, XXXX XXXX, 2016. 
The Dispute needed to be addressed by XX/XX/2016 to meet the FCRA dispute timeline requirements. 
It is now XXXX 2016. 
This is the SECOND instance of Experian failing to respond to Dispute Investigations, submitted by CFPB on my behalf, in a timely manner. 
The FCRA requires the accounts being disputed, to be deleted, if an investigation is not responded to in a timely manner.

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 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Checked my credit report via XXXX and noticed numerous invalid residential addresses, misspelled names and phone numbers I 'm not associated with at all.

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 11/21/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (CO).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On the morning of XXXX/XXXX/2017 Credit Collection Service called my XXXX XXXX XXXX daughters phone and demanded information about her phone number. She was confused and scared about what they were asking. When she would n't answer the man to his satisfaction he told her " you know we can find you just tell me what your phone number is ''. She told him her number and he said if she did n't follow his instructions he would disconnect her phone number. She started crying and told him she needed to talk to her Mom ( me ) and he hung up on her. The number he called from was XXXX. I called that number and a man named XXXX answered, confirmed the name of the company and I removed her number from their database and told them to never contact a minor again. This is a new phone number. We have no affiliation to any accounts with this company, nor was this company calling about anyone we know.

Company public response: Company can't verify or dispute the facts in the complaint
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 Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX  and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my 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 10/28/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle on XXXX from a XXXX dealership called XXXX XXXX. The vehicle 's original posting stated the car was in perfect condition and was recently fully service by a OFFICIAL XXXX service dealership/shop named XXXX XXXX also in Florida. The vehicle was purchased on XXXX/XXXX/2016 and the vehicle didnt arrive at my home in XXXX until XXXX/XXXX/2016. I drove the vehicle approximately XXXX miles, ( the original odometer and current readings can prove it ) as I needed it to go on XXXX leave and the car started leaking FUEL on the freeway and I was forced to stop immediately around the XXXX area. I had the car towed to the nearest XXXX service shop near my wife 's area called XXXX XXXX XXXX in XXXX. They charged me {$160.00} just to run a diagnostics to see what was wrong, and during this process, they explained to me that the fuel intake manifold was put on too tight causing it to fall off and leak the fuel ; which was later admitted by vista XXXX that they had messed this up during the initial servicing before it was shipped to me, which apparently made XXXX XXXX give XXXX permission to dismantle the vehicle without my consent, but no repairs have been done, the vehicle is still just sitting there with the work halfway done to it because no one wants to own up and assume responsibility for the repairs to be made. I dont understand why the vehicle was even taken apart for repair if no consent was given nor proof of financial assurance for the repairs were shown or given. Also, XXXX explained to me that the vehicle has aftermarket engine parts, which was not stated in the original listing whatsoever. The vehicle is currently at the XXXX XXXX location still, which as of today ( XXXX/XXXX/2016 ) is racking up a {$50.00} a day sitting fee, until this gets resolved. I had taken out a consumer loan with usaa to pay for the vehicle PLUS another {$1000.00} for the shipping equaling a total of {$13000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation