milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for XXXX XXXX and Equifax to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and XXXX XXXX is reporting an incorrect amount. I have attached documents for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Trouble during payment process

Complaint: Ocwen sent a short-sale agreement since the home is worth less than the total amounts due on the mortgage. We have complied with all of their requests and they still refuse to approve the final HUD documents approval and allow the title/escrow company to fund the loan payoff. The buyer has had their funds in escrow to comply with the short-sale closing date and Ocwen has prolonged the closing for weeks with no explanation other than " it is under review in underwriting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (HI).
Issue: Advertising and marketing

Complaint: American Express Blue Cash Everyday marketed a 3 % cashback offer on US Supermarkets. I signed up for that here in XXXX, Hawaii. In getting my statement I noticed my Supermarket purchases were not accruing 3 % cashback. I called AmEx to ask why and have been told by multiple people in various customer service departments that their managers said our Hawaii supermarket is NOT a US Supermarket! I stated multiple times that Hawaii is the 50th State of the USA and therefore Hawaii markets are US businesses, but same response. I noted my AmEx statement itself describes the store as a " Grocery Store, '' but they insist it 's not a US Supermarket. AmEx should NOT be marketing to Hawaii businesses if AmEx will not recognize Hawaii as a State. 
In addition, since I was signing up for the AmEx Blue card and their flyer said I could transfer a balance and pay it off interest free I did so. But only upon receiving this XXXX 2015 statement do I find they charged me a transfer fee. Their marketing stresses this free balance transfer option and does not clearly state they will apply a 3 % fee which fees misleading to me. And since the balance transfer only showed up on my XXXX 2015 statement I 'm being told it 's too late to cancel the transfer and they wo n't address the transfer fee. If they were clear about the 3 % fee I would n't have used them in the first place as my other cards offer me transfer checks I could use that do n't include a transfer fee and would n't charge me interest either for 18 months or so. If AmEx was clear in their marketing I would n't have used them for this transfer! 
So I was enticed to move to AmEx for 3 % cash back at grocery stores only to find Hawaii does n't seem to count, and it 's now too late to address the balance transfer fee so AmEx gets to take over {$200.00} from me in transfer fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I borrow money to go to LPN school in Florida from XXXX/Navient and I needed to take a private loan out to pay school. Disbursement Date XXXX/XXXX/2007 Original Principal {$15000.00} The Unpaid Principal is now. 
{$24000.00} During that time we hit financial hard times and I was unable to finish school or even pay. Constant threats. Now years later I finally finished XXXX school and have been trying to make payment but the original payment was too high so went to income driven plan. In the last 3 years I have made regular payments to see my principal keep increasing. The payments even on the income driven plan keep going up. I will be in debt forever the way they are working this out. Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Managing the loan or lease

Complaint: I paid off my car in around XXXX XXXX with Ally Financial they stated that I still owed them about {$2000.00} in late fees which I tried to disclaim. I gave up that fight and agreed to paid the late fees on a term of a {$100.00} a month. They stated that they agreed but that I could only pay them by check so I did. XX/XX/XXXX I had a balance of {$400.00} I wrote a check for {$100.00} however the Ally Bank withdrew the whole amount of {$400.00}. I called on numerous occasions but no one would help me resolve this issues. I l later got my title and lean release in the mail. Now I still get daily calls 2 - 5 times a day asking me to pay off the balance that I still owe them {$300.00}. I have informed them over and over again of the previous information and still they have refused to hear me and continue to call and mail me letters. I do n't know what else to do as I refuse to give them another dine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: Recently acquired an American Express Blue credit card, specifically because it offered XXXX % rebate on groceries. After several calls and questions, they told me that XXXX does not qualify because it is a XXXX XXXX. I asked them why it was not possible for them to talk to XXXX and come up with a way to code grocery purchases and thus give credit where credit is due. I asked them if they were aware that XXXX is one of the top grocers in the United States, to which I received only silence. I do buy produce and meat from XXXX, which qualifies, but all the rest from XXXX, because they are consistently better priced. I am not a happy camper!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this started in 2001 and was reported as identity fraud and i had a new social secuerity card. ive been trying for years to get this debt removed from my credit report. 
this is not mine.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax divulged my protected personal information due to a security breach that could have been prevented with proper security tools. I have submitted fraud alerts for both myself and my wife. I will continue to monitor my credit report to ensure that our information is n't used to steal our identities.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX in XXXX XXXX, CA from XXXX XXXX - XXXX XXXX. Graduated with a XXXX from the school. In a conversation with XXXX and their financial department, they made me aware of the additional amount to be tacked on to my current loan balance. I had attended XXXX before from XXXX - XXXX for a XXXX in the same field of study in XXXX, AZ. 

The first account was a XXXX XXXX loan which me and me father co-signed on. So the amount that was borrowed in total, according to XXXX, was {$51000.00}. With interest, it currently stands at {$63000.00}. However, the problem is this : There was a second account made without my knowledge for roughly the same amount! So even though XXXX has me slated that I borrowed only {$51000.00}, my loan provider ( Navient ) has me with XXXX accounts both totaling {$120000.00}! This second account should have never been created in the first place even though the school assured me that the amount would be added onto the current loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with DISCOVER BANK (IA).
Issue: Transaction issue

Complaint: I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$3000.00}. It seemed very good to turn it down. They said they would train me on how to find drop shippers so I could sell on XXXX, XXXX and any website for that matter. They have done nothing to help me and I was unable to locate any dropshippers that would turn even the smallest profit. They provided no support whatsoever in order to help me. And when I requested my refund they turned me down and stopped answering my calls. I did not make any profit out of this mess. They did not provide the services that I purchased. I feel I was taken advantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX Loans. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (FL).
Issue: Managing the loan or lease

Complaint: I financed an exercise machine from XXXX. The financing is done through Fortiva XXXX and I have been waiting for refund for 4 months. Both companies are at fault, they both keep sending me back and forth.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I pulled my credit file and found XXXX chapter XXXX a couple months apart And XXXX liens so I called the court house and was told verbally That they do n't report to the Credit bureau 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Applied for credit, discovered my report is merged, only through Experian, with another persons. Placed a 90 day credit alert through XXXX to be safe. Recieved a letter from Experian stating they can not honor my request. Called and was told I would be transferred to a department that would fix the issue - was an automated line with no help. Called, communicated the issue, was told 3-5 business days it would be fixed. Received a letter stating an inability to honor my request. Was contacted by the individual my report was merged with informing me our reports are still merged and that they received my personal credit information along with theirs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed a dispute with XXXX with Trans Union/ XXXX that I have never been late on a payment, I have called 3 times to date to XXXX XXXX and they assure me that I have NO late payments, Yet credit agency states report is accurate. How do I get this off all my reports, I also have XXXX collections and XXXX legal reports that have been paid in full. XXXX paid in Full/ XXXX paid in full/ Legal item XXXX paid in full, and I ca n't get them removed and is showing negative on my reports

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have great credit XXXX XXXX refuses to give me a loan why Race?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans serviced through Nelnet were granted a forbearance. On XXXX XXXX, XXXX, I received letters from Nelnet stating that my forbearance would be ending on XXXX XXXX, XXXX and my next payment due date would be XXXX XXXX, XXXX. On XXXX XXXX, XXXX, my personal bank account was debited for the monthly payments. According to the representative I spoke to on XXXX XXXX, XXXX, I should have cancelled my auto debit that had been set up when I first began paying my loans in XXXX. She agreed that my first payment was not due until XXXX/XXXX/XXXX, but said that if I had auto debit it would still attempt to deduct from my bank account prior to XXXX/XXXX/XXXX. During the entire year of my forbearance, it did not auto debit from my bank account and now suddenly it begins debiting before I am expecting a payment to be made. This is an unfair practice and causes confusion and hardship to the borrower. They can not simply debit your bank account when a payment is not due and then leave the borrower to deal with XXXX overdraft charges because they were not expecting a payment to draft ( as was my case ) or worse, the payment does go through but another bill, perhaps a mortgage payment, can not be made.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: This is a constant practice by Citizens Bank ( Citizens Financial Group Rhode Island ). I will pull my statement online and on that particular day I have a current positive balance. Knowing my payroll deposit is going to occur the very next day, I am not concerned knowing that there is a pending check that will be covered when or if it comes in the next day. However, when I pull my online statement the very next day I see that Citizens processed that check the day prior overdrawing the account even though I check the online balance the day before and it was positive. I have even printed my online statement which clearly shows the date on the printout and the positive balance and then the next days printout showing that check somehow mysteriously coming thru the day prior overdrawing the account and have taken it to the branch manager. They say they process checks all day and even though that check may not show up they had it and was processing it that day but I would not see it or know that. If a bank is spending an entire day to process a check then that check should not be processed until the next day. Do not fool customers by showing them a positive balance and then surprise them the next day and say " you did n't realize that all day we were working on that check but you could not see this so that counts as it actually being processed that day so thus we will charge you an overdraft even though your account clearly shows a positive balance all day ''. This bank is constantly being sued for its processes and I hope someone is looking into this backdating check scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am being HARASSED by Dynamic Recovery Solutions. On XX/XX/2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case number : XXXX ). In the complaint, I stated that Dynamic Recovery Solutions was in violation of the Fair Debt Collection Practices Act ( FDCPA ) ; namely, they failed to provide a written notice regarding an alleged debt. On XX/XX/2016 Dynamic Recovery Solutions responded ( via the CFPB ) to notify me that my relief would be the following " THERE WILL NO FURTHER CONTACT FROM DYNAMIC RECOVERY SOLUTIONS. '' However, not two months later, Dynamic Recovery Solutions has resumed calling me and leaving voicemail messages. I received the first call on XX/XX/2016 at XXXX CST from telephone number XXXX ; a voicemail was left. I received the second call on XX/XX/2016 at XXXX CST from telephone number XXXX. Another voicemail was left and stated : " Hi I am reaching out to you today from Dynamic Recovery Solutions, a debt collector. Please give me a call back when you receive this message. My number is XXXX. I would appreciate a callback today if possible. Again our toll free number is XXXX. I appreciate your cooperation. 

As you can see, Dynamic Recovery Solutions did not honor their word ; they are still contacting me. What is the point of having laws and this bureau if debt collectors, such as Dynamic Recovery Solutions, do what they want? I want all communication to cease and desist effective immediately or I will have to take more serious action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX and Bayview Loan Servicing have refused to provide my itemized and complete loan history on my current mortgage as required by the Real Estate Procedures Act 12 U.S.C 2605e as I have requested several times in writing and verbally. XXXX also called my insurance company ( XXXX XXXX ) and told them I no longer owned my home and returned the check to XXXX that XXXX XXXX paid for my condo insurance for the year. XXXX then placed " force placed '' insurance on my townhouse without my permission or consent. XXXX, to date, will not give the amount or itemization of the fees associated with there force placed coverage. The lender has scheduled XXXX separate sheriff sales while my loan was under modification review. In addition, never received 14 days notice of any of for any of the sale dates. In fact, the sale that was scheduled for XX/XX/XXXX was changed on XX/XX/XXXX and lender paperwork was not submitted until XX/XX/XXXX to postpone sale. The date was changed to XX/XX/XXXX. I received verbal knowledge of this through my HRA contact. Bayview also reported to the modification underwriters that I did not complete all the documents they requested. I did and I have proof. As a result, the underwriters denied ( apparently ) my modification. This denial was verbally told to my HRA contact and not provided in writing. As of this date ( XX/XX/XXXX ), I have a sale date of ( which is the third one ) for XXXX. The asset manager for Bayview has not responded in a timely matter during this process and often says he " has not received documents '' to his attorneys and underwriters, which his not true. I have proof of the email submissions with dates and times. I believe the lender has target my property for profit and have not followed the laws regarding my FHA backed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MS).
Issue: Managing the loan or lease

Complaint: The loan is paid in full due to a garnishment from my check now will not remove the balance of XXXX dollars. Have proof it was paid

Company response to consumer: Closed with explanation