milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have tried everything that I know how to do correctly, Still, XXXX, XXXX and Experian will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX ) ( EXPERIAN ) ( XXXX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My monthly payment is {$800.00}. I made my payments faithfully and when due. I made my payment, in full, XX/XX/XXXX. I received an email XX/XX/XXXX stating that my account is past due. I logged on to Navients because I thought it was a mistake, only to find that it stated I have a past due amount of {$230.00}. I called and they stated that it was accurate and keep sending me to multiple people, only for them to tell me the same thing. They then offer me an opportunity for forbearance, which I did not want. I have documentation that I exported from their website and from my bank account that shows the payment was made on time. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.

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 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Experian disputing inaccurate and invalid accounts on my credit file. Experian received the letter on XXXX XXXX, 2017.Within 30 days I received a letter from Experian saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Experian asking for method of verification and proof of verification. Experian received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Experian stating the exact same thing as the first letter. The letter said the accounts have been verified. Experian did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Experian asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Experian stating again that the accounts have been verified. How can Experian say that they verified an account and not provide information on how the accounts was verified? How can Experian be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Experian can report inaccurate information onto your credit file without proper verification as long as they are paying Experian. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 11-08-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NJ).
Issue: Using a debit or ATM card

Complaint: I recently opened an account with M & T bank, and I was excited to join their family, but I recently called to get help with fraud transactions of almost {$500.00}. My debit card got stolen and my cell phone at work. They must of got my pin from when I took out cash at an atm and saw what I punched in on the keypad. Its sad when you ca n't even trust your co workers, and at that your bank to help you with this and get all this money back. They treated me nasty over the phone, and gave me no help M & T bank. Horrible customer service so far! Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I recently applied f or FAFSA after 13 years of being out of School. I noticed that I had and subsidized loan listed out with Navient per the FAFSA website  which is correct because I am making payments.   XXXX  I contacted Navient and they stated that the lo an is Unsubsidized but ha ve not presented proof. I called on yesterday and was repeatedly told the loan was unsubsidized. I called today and was told that navient would contact  XXXX   XXXX  and provide me with proof that the consolidated loan was unsubsidized. Navient charged me interest on a loan that was deferred and subsidized.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX 2015 to discuss a loan refinance on mycurrent 7 % mortgage. I told the mortgage banker that I have n't been able to refinance becauseof self employment and little to no XXXX income. After talking with her for 3+ hours, she said that wewould be able to work together and even told me they could refinance XXXX our rental properties. 
On XXXX XXXX 2015 Loan Depot removed 2 x {$390.00} from our bank account for XXXX appraisals. 
The appraisal for the primary property was completed on XXXX XXXX. 
We were contacted on the XXXX telling us we would n't qualify for the refi. 
After complaining we did get a refund for the rental appraisal not completed, but not for the completedappraisal. We did n't understand why the appraisals were ordered prior to being approved for a loan. 
We are currently working with a different company and requested the appraisal that we PAID FOR fromloan depot. They refused to transfer the appraisal to our current lender, forcing us to pay for another appraisal. We are requesting a {$390.00} refund for the appraisal that we ca n't use for our refinance. 
Loan Depot wo n't answer our request. 
Sincerely, XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: I was approached by us bank about a student loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: This account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with Experian they came back and said validated. This was not investigated by Experian and they just came back and said validated. We never got proof that this debt is ours and it should no longer be on our experian 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 10/25/2017 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called more than a few times to a phone number that is recycled. I have told them time and again that my number needs to be removed. Even their compliance person lied stating that they had never called me, trying to call me a lair. Each time they have called for the same person and I have told them there is no one at the number with the name. This time, I asked that the number be marked as bad in the case file, however, the compliance person told me that she could n't make any changes and that there was no one at the company that could and that my number would continue with the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SECOND REQUEST : Refer to my prevoius complaint XXXX. 
I am requesting to have an incorrect address removed from my credit report. 

In XXXX XXXX, my then-husband, now ex-husband, XXXX XXXX XXXX moved out of the family home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. At that time, we had a joint mortgage with XXXX XXXX. When XXXX XXXX changed his address with XXXX XXXX, XXXX XXXX mistakenly changed my address, as well. XXXX XXXX resided temporarily at : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX for the period approximately XXXX XXXX XXXX XXXX, before he relocated to North Carolina. At no time did I relocate from my home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. I have resided at XXXX XXXX XXXX XXXX continuously from XXXX XXXX through the present. 
In XXXX XXXX, when I received written notification that XXXX XXXX had changed my address from XXXX XXXX XXXX XXXX, XXXX, MD to XXXX XXXX XXXX, XXXX MD, I ( 1 ) immediately notified XXXX XXXX of their error and ( 2 ) requested that my address be corrected to : XXXX XXXX XXXX XXXX, XXXX MD. XXXX XXXX has a record of that telephone call, as it took place on a XXXX XXXX recorded line. 
Pursuant to the Martial Settlement Agreement and divorce, the XXXX XXXX ( joint ) mortgage was retired in XXXX XXXX ; I obtained a new XXXX XXXX ( individual ) mortgage. 

** Please remove address : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX from 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 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I am in the process of completing a loan modification with Shellpoint Mortgage Services over the past 6 months. I was approved for the loan modification after providing documents and personal information. I was then told by my assigned Shellpoint single point of contact ( XXXX XXXX ) that my interest rate would remain at 3 % for the loan modification. She said all I needed to do was pay my 3 monthly trial payments and then I would received the loan modification document in the mail to sign and then start payment on my modified mortgage. I just received the loan modification document ( XX/XX/XXXX ) and the interest rate is at 4.5 %. That is 50 % higher than I was told it would be and I have to sign the loan modification document and send them back by XX/XX/XXXX or my home goes into foreclosure. I also made 3 trial payments totaling {$6300.00}. I feel I have been 'bait and switched '' with a promise of a low interest rate and now have no choice but to enter into this modification. I already paid {$6300.00} in trial payments under the promise that the modified mortgage would have a 3 % interest rate and if I walk away my house would go into foreclosure. This was an attempt to deceive me into paying my trial payments without giving me a choice but to accept a high interest rate for the modification. I spoke with XXXX XXXX ( Shellpoint Loss Mitigation Supervisor ) on XX/XX/XXXX and he told me that he would notify the investor of my situation but has never seen them change an interest rate in a loan modification. He said this would take at least 15 days which is after my signed loan modification is due anyway. I have been deceived by Shellpoint Mortgage Services and put in a terrible position. Please rectify this situation by lowering the interest rate to 3 % on the loan modification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have attempted numerous times to get this company to send me notification of debt with detailed list of fees. So I know exactly what I am paying and why. They flat out refuse to send any notification. But have put on my credit report twice I am past due but never have they send any late notices to me at my address. I thought it was a law against collecting debt that notice was never sent out on I may be mistaken. I have attempted again this week for the 3rd time to send a letter with a small payment to please send detailed statement of charges owed. They tell me to visit a local branch but the branch is not competent they are the ones who stopping sending notifications in the first place. This company is retaliating against me because I have filed several complaints against them. I think they are refusing to comply out of retaliation. All I want is a detailed billing statement a copy of my original loan documents. And any associated paper work. So I can pay what they claim I owe. I can not pay anything I do not have paperwork for it makes no sense why they will not comply with my request. I filed 2 complaints with Better Business Bureau they will not attempt to assist me any further. Because my complaint is duplicate. Also in addition they have put the same information twice on my credit report within one month. I am filing paperwork with all three credit bureaus on that. But if you can please help me with this request. I do not know who to go to at this point. This company is fraudulent they say I started a loan with them this year, but this loan has been going for years. I have canceled copies of checks to prove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Application, originator, mortgage broker

Complaint: My loan has been in some sort of weird status for over 7 years. There are several issues here. One, in dealing with SPS, they have claimed to be 'working ' with me for many years, however no matter how many documents I send to them they respond by saying they always need more documents, even the ones I have sent repeatedly, and it goes nowhere. The main problem is the loan itself, and how I can go about disputing the entire loan. If I can not work out this issue, where they constantly call saying I am deliquent, or saying they have turned it over to a lawyer, or that I am facing foreclosure or I need to sign short sale paperwork, then I need to fight back against them.

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