milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Step 1 : What is this complaint about?

Unable to freeze my credit : XXXX XXXX and Experian Step 2 : What type of problem are you having? 

XXXX XXXX and Experian both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX  Experian services. 

Step 3 : What happened?

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times.

Step 4 : What company is this complaint about? XXXX XXXX  and Experian Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. XXXX XXXX and Experian know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.

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 05/19/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Bank of America is listing an account on my report but can not 'validate the debt '. 
This reporting appeared on my report sometime during XXXX od XXXX, shows that it was a charge off in XXXX of XXXX, nothing done for years, and now shows charge off status every month since XXXX of XXXX. This makes me look as though I am currently in default. 
The only BofA card I has was account number XXXX and was closed in good standing back in XXXX. The account number listed on the report in not only unfamiliar to me but BofA, in a phone conversation on XXXX XXXX, XXXX, the representative stated that BofA changed the account number once the account went to charge off status. She also verified that my original account, XXXX, was closed at my request and was in good standing upon closure. After several attempts to find an answer for me, while placing me on hold, she finally stated that they could n't find any statements past XXXX but the account was supposedly opened in XXXX and they do not know where the account came from. Furthermore, they can not provide me any documents that would validate this debt. 
Also, they reported the charge off to the IRS in XXXX which caused me to have to re-file my tax return and was charged many dollars in late penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Private student loan debt) with First Associates Loan Servicing LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX, 2017 ATTENTION : FINANCIAL CONSUMER PROTECTION BUREAU First Associates U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : [ ACCT # XXXX ] ATTN : First Associates U.S Education Loan Servicing department LOAN DISCHARGE APPLICATION : SCHOOL CLOSURE XXXX : XXXX XXXX XXXX OF XXXX, TN Dear FIRST ASSOCIATES & FCPB, First and foremost, I would like to bring attention to an interaction on XX/XX/XXXX where a concern was placed regarding potential forgiveness on the aforementioned account. I was met with a very unprofessional response from XXXX who told me, You can let it go to collections if you want. Whether you pay this or not, it is business as usual. This was an unnecessary comment. Not only have I been paying my minimum, I have been paying more than the minimum on my loan for over a year. I have never been late on a payment. 
Secondly, I have been subject to a chain of predatory student lending. XXXX XXXX set up a business plan that pressured students into taking out high-cost private loans. Their method was to use in-house credit to meet gaps between the cost of tuition and the maximum federal student loan disbursement. 
In conjunction with unsatisfactory education, educators, equipment, and communication, I am requesting full acquittal of the account. 

Education was poor quality and was limited to partial demonstration of real world application. 
The educators were not equipped to teach the classes they were teaching for in majority cases. 
Equipment was outdated, running on older systems, including the need to save files to previous versions so compatibility issues did not occur. 
The institution promised a continuing education in game design upon completion of the XXXX XXXX program. Less than one month prior to the completion of the XXXX program, I was informed the school was no longer continuing that academic direction and dropped the classes they prepared me for. There were no alternative options provided to me for that academic plan of study.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid but never reported as paid or close to credit bureau or public records. When contact them about a release letter they said it will take from 30 to 45 days, called them back after 45 days and they gave me the same answer, eight months later still no letter. The company claims the attorney who handled the case should release the letter but when I contacted the attorney they said they are the company reporting to credit bureau therefore they should release the letter not them???

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian is charging {$10.00} to freeze and unfreeze my credit report. They changed my temporary unfreeze into a permanent unfreeze so now it 's {$20.00}. This is an insane amount for a simple service that improves consumer security. Let me control access to my information.

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 04-06-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: After years of repeating telling Portfolio Recovery to stop calling our number, I finally wrote a letter to them & sent it certified return receipt requested. They rec 'd it XXXX/XXXX/15 & are still calling ( called yesterday ). The letter was from a sample from XXXX XXXX ( consumer advocate ). HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Checking or savings account (Savings account) with PNC Bank N.A. (GA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I graduated high school in 2012, and I was in search for a job. I found a summer job on XXXX before, and worked there for quite some time. ( XXXX XXXX XXXX XXXX ) I figured I could find another job in addition to my current job on XXXX again. I was contacted by a family on XXXX who had a child who was wheel-chair bound. I corresponded with the family for a few days in regards to employment as a nanny for the family. I was told that they were moving from another state, to the current state I am in. They needed help with the child while moving. The family told me they bought a new wheel chair for the child and needed it to be picked up and already home by the time they got in. The story the family told me made sense, and are the regular duties a family would ask a nanny. Once I received the check, which was sent over-night, I was instructed to cash it, then send the money to the child 's wheel chair makers for payment, and delivery of the chair. I had an account with PNC bank. I had a particular bank I would always go to. PNC Bank XXXX XXXX XXXX, Ga XXXX. Before I cashed the check, I went to PNC, and asked a teller I was familiar with about the check I received from the family. I told the teller the back story, and asked if he could determine if it was a fraud check or not. He instructed me that a determination of a fraudulent could not be made by looking at it. The only way I would know is if I placed the check in my account, and the money from the sender did not cover the amount on written on the check. 

I contacted by the family again with arrival dates and times. I figured it was legit because I we set up a meeting place, etc. I can not recall the exact amount the check was for, but it was less then 5,000. The next day I went back to the PNC to cash the check. The check cleared a few days later, and a few more days later I was contacted by PNC that my account was shut down because of fraudulent activity. I called and explained to PNC that I had no idea, and that I'm a nanny that was looking for a job. I was told by the fraud department that it was a man named XXXX XXXX. The check was written from a closed account. I was told I had to pay the money back that my account went negative for. I told them the money went to another account via XXXX XXXX XXXX. ( The wheel chair makers account ) I am now XXXX, and this still haunts me. I can not open a personal bank account due to a scammer. I was young and XXXX, but also a target, because the scammers constructed a plan based on my resume on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I started school, all me and my cosignor knew was XXXX cumulative max could be borrowed. To us that meant that once that amount had been borrowed, approval would not occur anymore. That credit was checked by lenders and the website that monitors student financial aid would be checked by lenders and when shown that amount had been reached, that was it. However, between XXXX and Navient/XXXX XXXX, they never capped that max and now I am in debt over XXXX dollars. XXXX loan alone went from XXXX original to now XXXX owed. These are just private loans- not including my federal. I am paying OVER XXXX a month in student loans! My entire income is going to this debt. It is not affordble to me nor to my cosignor. They took advantage of nieve borrowers. It wasnt until grad school did I learn of my total amount owed and how these XXXX lenders XXXX us by not stopping the approval process at XXXX max. I have XXXX children and a husband in the military. We are rapidly going in debt and losing things because this is consuming us. They harrass us and our family daily. Sometimes calling 30 times a day, they hound my co signor at work to where he has been threatened to be fired. They refuse any payment options, they have talked to me in the most disrespectful of manners, They threaten us, and not only that its impacting my husband military career and the life we can provide for our children. Something needs to be done about this,, I can not afford this for the rest of my life, it is physically making me ill, mentally wearing on me, I work 5-7 days a week, XXXX jobs ata time, my husband works XXXX jobs and we are not making it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (MA).
Issue: Trouble during payment process

Complaint: In brief: 
(1) Dovenmuehle Mortgage, Inc. did not and does not credit my XX/XX/XXXX payment to my account.
(2) Dovenmuehle Mortgage officially started servicing the mortgage on XXXX XXXX, 2017.The payment in the amount of $XXXX was made to the previous servicing company, XXXX XXXX XXXX, c/o XXXX XXXX. It was due on XX/XX/17, paid on XX/XX/17, cleared by my bank on XX/XX/17. This payment was properly credited to my account and later verified by the XXXX. 

In more detail:
Until XX/XX/17, my mortgage was serviced by the XXXX XXXX XXXX, c/o XXXX XXXX. The servicing was transferred to Dovenmuehle Mortgage, Inc. effective XX/XX/17. I received a statement from them on XX/XX/17, before receiving any information about the loan servicing transfer, but such letters from the both companies did arrive later.

The statement listed double of the amount due as being due on XXXX XXXX (the normal monthly amount due is $XXXX). I made a normal monthly payment to Dovenmuehle Mortgage by check for my XX/XX/XXXX payment, it was received by them on XX/XX/17 and credited as my XX/XX/XXXX payment, so they still list me as being one month behind in my mortgage payments.

I have made a number of calls to Dovenmuehle Mortgage, from XX/XX/17 to this day (XX/XX/17). I have been made promises that they would investigate the matter, but no results followed, and no explanations were given. I also e-mailed confirmations of the XX/XX/XXXX payment from the XXXX website and from my bank, as requested by Dovenmuehle Mortgage, on XX/XX/17, but, once again, the matter has still not been resolved.

In particular, I was informed by the previous mortgage servicing company that they overnighted confirmation of my account information to Dovenmuehle Mortgage on XX/XX/17. Apparently, this information has not been processed or taken into the account by Dovenmuehle Mortgage. 

Moreover, according to the XXXX representative, the payoff amount given by them to Dovenmuehle Mortgage accounted for the XX/XX/XXXX payment. XXXX sent me a copy of the information. But the statements and the online account info from Dovenmuehle Mortgage have apparently been using a different (and greater) amount for their starting of servicing the loan on XX/XX/17. They use $XXXX instead of the correct amount of $XXXX. The difference corresponds to the payment that has not been credited by Dovenmuehle Mortgage.

The desired outcome of this case would be in crediting my XX/XX/XXXX payment, adjusting the principle of my mortgage, setting the next payment due date as XX/XX/XXXX (or as XX/XX/XXXX if the process is finished after I make my XX/XX/XXXX payment on XX/XX/17). 

Here is a partial list of the Dovenmuehle Mortgage representatives and supervisors that I have had talked to:
XXXX XXXX XXXX (XXXX)
XXXX (XXXX)
XXXX (XXXX)
XXXX, ext.XXXX
There were others before them, but I did not record this information during a number of my initial calls to Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Transaction issue

Complaint: Contacted Credit Card Company ( JP Morgan Chase Visa ) to dispute a charge on XXXX. During the dispute process I provided valid proof of the claim ; Receipts from the new plumber, receipts of the damages caused by the XXXX plumber and video/photo evidence supporting the claim. JP Morgan contacted XX/XX/XXXX and is now requesting a XXXX from a XXXX validating the work performed from the XXXX plumber was inadequate and the services provided were not fulfilled. The response is due by XXXX/XXXX/16. Due to the holidays, this allotted time is not sufficient nor is it considered a reasonable request. This dispute was filed in XX/XX/XXXX with the Credit Card company. I was explained the merchant was given 30 days to respond and dispute the reversal charge. However, the same XXXX days was not given to me considering I received the notice on the XXXX of XX/XX/XXXX and they 're requesting a response by XX/XX/XXXX not taking into consideration the Holidays and business 's closures. Nor should this request be considered necessary. The merchant 's insurance company has accepted full liability and issued a check for the damages caused by the plumber negligence. I can not comprehend the necessity to provide additional information that is outside the scope of the services that were not performed by the plumber nor should I incur additional expenses to pay for another plumbing company to write-up a XXXX Opinion letter. An addition, why should I be responsible to pay for something that was not done correctly resulting in personal damages caused by the business 's negligence. The services were not fulfilled. I had to pay another plumber to come-out and fix the issue caused by the previous plumber. I have provided this evidence to JP Morgan Chase and their stating VISA is not accepting this documents presented as substantial documentation. This is not a logical or reasonable request and undermines the consumer protection laws meant to protect consumers from paying for services that was not fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. 
The following inquiries were deleted and reinserted Addresses Reported XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Employment Data Reported : XXXX XXXX XXXX XXXX/XXXX/XXXX Adverse Accounts XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$390.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$640.00} XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$730.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$360.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$290.00} I called TransUnion and Transunion gave me a file XXXX XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard pull from XXXX, XX/XX/XXXX all three reporting companies gave me a hard pull from XXXX, XXXX and XXXX had it removed as I have never tried to get an account with XXXX, Equifax has not removed this hard pull from my account! I need this fraudulant pull removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. I have yet to receive a response in this matter at all from Experian, and I have disputed this information on different attempts. I have, however, reached out to the  US Bankruptcy Court of   XXXX   - an d they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.

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 02-11-2016 about Prepaid card (Gift or merchant card) with INCOMM HOLDINGS INC. (MA).
Issue: Fraud or scam

Complaint: My wife and kids gave me a {$500.00} Paypal gift card for my XXXX Birthday. Went to cash it two weeks ago and there was no money on the card.

Company response to consumer: Closed with explanation