milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX XXXX :XX/XX/XXXX 3. XXXX XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX : XX/XX/XXXX6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX10. XXXX XXXX XXXX : 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 09-01-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I asked Bank of America if they would take the private mortgage insurance off my loan. I met all the criteria, no late payments in five years, more than 20 % equity. Bank of America denied me because I had refinanced within those five years. Heres the thing, I refinanced with Bank of America. Further more, it was with the same mortgage loan officer, I got the original loan with, XXXX XXXX, phone number ( XXXX ). They said my five years would be from my new refinance date in 2012. I was never informed that I would have to start all over again. All I want is the PMI taken off my loan. I bought my home for {$270000.00}, and it is worth at least {$450000.00}, thats at least 60 % equity. I am a XXXX vet and we should not be treated like this. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Credit card) with ARS National Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm receiving collection notices from ARS National Services Inc., for debt for a XXXX account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with XXXX over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They have called me before XXXX, called my family member 's saying they are looking for a reference but its to collect a debt, and I asked them to send me in writting about my student loan. 

Last week I got a letter XXXX witj XXXX logo that my wages were going to be garnished. I called the number and it was the harassing Pioneer Credit Recovery. 

I said I thought this was to get caught up on my loan directly to the government not a debt collect and they put me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: i have been working very hard to upgrade my FICO scores i have brought my score up to XXXX with XXXX ,XXXX with XXXX XXXX but EXPERIAN refuses to update my score they have it at XXXX i have called repeatedly, i have joined their monitoring service all in hopes of getting them updating my score when i called i went through the whole phone tree until i was finally was able to speak a representative XXXX she was unable to answer any of my questions, she passed me off to - a area supervisor XXXX XXXX refused to explain their company 's scoring formula as if her, XXXX, XXXX, and XXXX were siting there calculating algorithms that i was to simple to understand. 
A perfect score is XXXX, mine is XXXX I asked why my score was 145 points lower than the best score possible her answer was -there were 3 negative factors first, was a delinquent medical bill ; which was paid in full a that point and that was reflected in my score with the other 2 major agency 's also, one credit card was over the 100 percent credit limit in the recent past, but by the time we spoke that account had been paid down below 90 % percent of the credit limit, also reflected in my scores with the other major agency 's third MOST importantly my DEMOGRAPHICS " my demographic s '' i asked her was it because i was XXXX or XXXX what demographic was damaging my score ; she refused to answer, she said the matter would be referred to the regional supervisor, its been 5 days i have heard from no one and my score hasn't changed still XXXX  according to experian these conversations were recorded any help is appreciated

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX contacted me about an account I did not authorize. They advised me of a balance I was unfamiliar with and I demanded validation of the account because I was the victim of ID Theft in the past. The company not only did not provide necessary documentation to validate the account but they proceeded to report the account to the credit bureaus. I already have an ID Theft report on file and need this item removed immediately. In my ID theft report I specified there was no way for me to know all of the accounts that were opened in my name but outlined a period of time I knew for sure the thief was opening accounts. I do not use credit for hardly anything and now that I do need to use it for business purposes these fraudulent accounts are hindering my ability to do 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 07-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My card was closed due to fraud, but card co. did not inform me of a XXXX balance left on account before issuing new card. Balance has been 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 07-03-2017 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: Account information incorrect

Complaint: I have received my TransUnion credit report, on this report show a company XXXX, that show a last payment made on XXXX-2009 to this company, this is past the 7 years statue of limitations, which is the last time I had XXXX was in 2009. I have ask Transunion to remove the the item from my report due to it over 7 years past. I have sent letters and the credit bureau keep sending back has verified, will not tell me method of verification, and I know that the statue of limitations is 7 years from the last payment date, this should be removed. This is my complaint for Transunion credit bureau.

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 (FHA mortgage) with United Shore Financial Services, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I signed contract to purchase a home for {$120000.00} and this is what happened : This house and approximately XXXX others are all built on the wrong lots and I am in litigation because I have been evicted from my own home. The problem came in XXXX when a survey was performed that set an entire area of the plat off at least XXXX feet to the west. My house is built XXXX feet to the east across the street from the actual property. The deed states Lot XXXX section XXXX, but the house it built on Lot XXXX section XXXX. I paid a surveyor to survey this area and all he did was pull the old survey and stamp it and never went out to the property otherwise he would have known it was the wrong lot. Further digging into this due to the eviction lawsuit, the county knew that the survey was off based upon a letter written in XXXX, but still issued building permit for my house in XXXX. I have been trying to work with the mortgage company, but I am in default of the loans I have already paid thousands of dollars and down payments for a house I will not own. The title policy refuses to pay based upon the exclusion of the survey, but have agreed to represent me in the eviction case, the present mortgage company just had the loan pulled from investments because it was in default and forced the original loan company to take it back because it was more than clear to them that this is a faulty loan. This is all unfair and unjust to me as a consumer that I have to pay for something that is clearly not mine. Now the original mortgage company who retained the loan is threatening me. My credit is being ruined I had good credit, but now because of this I am being ruined financially. I want restitution for this loan I paid for due diligence I did everything right I paid for a title search a survey, etc. and I am the victim. The owner of the land clearly wants the house the judge has n't ruled on eviction because it is so complex with the other XXXX homes, the county is involved, multiple builders, multiple title policies, multiple surveyors, multiple banks, mortgages and an unbelievable amount of issues. No one knows what to do it will be in litigation for the eviction for years. Ca n't file lawsuit until eviction is final meanwhile my credit is destroyed and I will never own this house and foreclosure is threatened on a house the bank does n't own. I have all the documentation to prove this I want to be discharged from this debt the original mortgage company is at fault by providing me with a untrue faulty loan on a house that I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, a merchant presented an electronic funds transfer ( EFT ) charge to withdraw money from my checking account using my debit card number. This charge was presented without my knowledge or consent and was not accompanied by a signature or PIN input. 

The amount of the withdrawal ( {$1600.00} ) exceeded the amount in my account. In spite of this, bank personnel put the charge through causing my account to be overdrawn. SunTrust offers overdraft protection but I elected to decline this service, preferring that SunTrust decline any transaction for which funds are insufficient. This agreement has been on record in my customer profile since XX/XX/XXXX. 

I incurred overdraft fees and authorized charges were declined. A few days later, the entire balance in my savings account was taken without my knowledge or consent to partially cover the overdraft. Subsequently, a {$500.00} credit in my charge card account was taken as well. Later, when it was time to renew my charge card, SunTrust declined to renew the charge account even though the account had a positive balance from the day it was taken out. I have been attempting to regain my charge card ever since, most recently when my XX/XX/XXXX application was declined on XX/XX/XXXX. I have been told that this may be due to " overdrafts '' showing on my account. The only overdrafts on this account were due to the fraudulent withdrawal on XX/XX/XXXX. SunTrust was notified in a timely fashion of this incident and, per bank procedure, a notarized affidavit was submitted to SunTrust fraud department on XX/XX/XXXX. 

The only party acting irresponsibly in this affair is SunTrust Bank. I am asking them to reinstate my charge card and to expunge any negative credit information referable to this incident. Thus far, SunTrust has been unwilling to do either.

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 05/31/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification with Bank of America for the last 3 years, since 2013, and every time they request for paper documents, I have sent on time and I think that 's it, Bank of America is going to start to review my case. But instead they send me a letter stating " We are no longer actively reviewing your application for loan assistance because we did not receive the requested documents. '' I have copies of the documents I sent and I also send the documents through registered mail and I am able to track it. When I mention this to Bank of America, they just claim that they did not receive it and to re-apply. I need to get a loan modification or else I will go bankrupt. What can I do to stop Bank of America to continually just claim, '' We did not receive the documents, please re-apply again ''. I need help. Thank You

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I initiated a dispute with equifax via BBB on XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As of XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XXXX the account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XXXX and as of XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how equifax " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor equifax. And it is obviously wayyyy beyond 30 days. Equifax continues to stall vs remedying the situation. I received a statement that their was an " unauthorized third party ''. What and whom is this third party. At this point I am ready and willing to seek legal counsel again equifax for every violation. Because once again equifax has chose to ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While using Navient our payments show as being split across multiple loans. The split appeared to be mostly even ( $ XXXX {$35.00} to each loan ) however upon digging we found that for the smaller loans they would only apply {$1.00} to it. This effectively makes a {$100.00} loan go from 4 or 5 payment cycles to XXXX. We have also found that we were never notified of a deadline to resubmit our financial status by to ensure low payments but would receive a notice about how they reevaluated and what our new payment would be.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (TX).
Issue: Problems when you are unable to pay

Complaint: add to complaint XXXX XXXX Titlemax XXXX XX/XX/XXXX On XX/XX/XXXX Titlemax sent a repossession agent to my home. 
The XX/XX/XXXX XXXX XXXX that was repossessed contained personal property that was NOT on the TitleMAx loan. Also the repossession agent is in direct violation of the below Texas XXXX. 

The tow truck operator must send the registered owner a notice by certified mail, return receipt, within XXXX days of the repossession. Texas Occupations XXXX XXXX. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property fees XXXX, and the facility 's operating hours. Texas Occupations XXXX XXXX. 

The list of inventory taken with the XX/XX/XXXX XXXX liberty XXXX. XXXX XXXX Boxes full of tools. 
XXXX. Battery charger, car start kit XXXX. Documents, Forms XXXX. XXXX jumper cables XXXX. XXXX pair of sun glasses

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was passed to the collection agency corresponding to this complaint without notice from rental property the debt allegedly originated from. After my attorney contacted the rental property, the debt was dropped due to its erroneous nature. I contacted the collection agency by phone to advise them the collection was being dropped. The rental property sent an email that day to the collection agency, with me copied on it, stating that the debt was cleared and the account should be closed. The following day I checked the collection agency 's website ( www.nationalcreditsystems.com ) and noticed the original amount was still listed as owed. I contacted them via email, and was told that the website did n't update daily. However, two weeks have passed since this communication, but the website still shows the balance as owed. Although I have received an email communication from the collection agency stating that the account was closed, I 'm concerned with the fact that the website still shows a balance owed, and all subsequent attempts to contact them have been ignored. I 'm only able to speak to an agent, who consistently advises that she is not associated with the website and knows nothing about how it 's operated. I ask to speak to someone who is knowledgeable about the website, but I 'm told she does n't have access to those people. I have asked XXXX separate times to speak with a supervisor. Each time I was placed on hold for over 20 minutes with no answer. Each time I had to hang up while on hold due to other obligations. My phone calls have never been returned. I sent an email on XXXX/XXXX/2016, but did not receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has again withdrawn money from our checking account even though their authority to do so was discontinued on XXXX XXXX, 2016. We realized that the company can not be trusted to have the authority to auto debit our bank account after they repeatedly withdrew more money than they were entitled to. Yesterday, XXXX XXXX, Wells Fargo drained our checking account of {$1200.00}. We did not owe them this money and they did not have the authority to take it. Since we have other bills we need to pay, we called Wells Fargo customer service immediately, who verified that Wells Fargo told us they would eliminate auto-debiting our account on XXXX XXXX. We then explained that we need the money to pay our other bills, the customer service rep explained that, although he was very sorry we were put into this position, there was nothing he could do except request that the money be returned, which would be in XXXX 10 business days. In many past incidents with Wells Fargo, we know that they do not get things done in XXXX to 10 business days. Meanwhile, how do we pay our other bills? 
Is this in retaliation to our XXXX former complaints to CFPB about Wells Fargo, which still have not been responded too? When does a bank 's mismanagement of customer 's money become criminal? Wells Fargo is clearly profiting by taking money they are not owed and holding on to it while the customer suffers.

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