milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to Experian, XXXX and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to Experian on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX,  XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from XXXX and XXXX. I have not received any notification from Experian. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX.  There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( stars and stripes ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Card Services ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a credit freeze on my information and having been trying to get a credit freeze lift to apply for a credit card and Equifax will not allow me to do it online or through their automatic phone line. I tried writing to them to lift the freeze and they never responded so I do n't know if they lifted it or not. I need this done quickly because I am applying for a credit card and there is no telephone number to reach a live person. This is messing up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/2016 I had an unexpected auto payment withdrawn from my checking account without my knowledge through Navient. I had previously had autopay, but called and canceled it around XXXX 2016 due to hardships, so I would call in and make an over the phone payment with my credit card so I could control my finances more. My Federal loans remained on autopay but not Navient because Fed loans offer loan forgiveness when you make 10yrs of on-time payments while working for non-profit. When I called, they said I scheduled the payment back in the end of XX/XX/XXXX which does not make sense to schedule a XX/XX/XXXX payment 2months prior. I asked for stop payment because that money was coming out of my rent check and I never pay additional bills out of my rent check. They said because my due date was the XX/XX/XXXX, and if they refunded my amount that my account would be in default that they could not refund my money to me. It was a very rough 2 weeks to follow especially seeing I was traveling out of state for a wedding the next morning. So I definitely know I would n't plan a withdrawl of such a significant amount around that time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Several years ago, i was on unemployment. at some point unemployment agency miscalculated stating i was overpaid. shortly they said it was ok and I do n't owe anything and I had no action items. 3 months ago i applied for credit card and was declined, finding that i have a Lean on my credit. I called the superior court and they said that i was fine and that they have a letter of satisfaction for me to pick up. I picked up the letter and began process to fix my credit. I filled filed a Dispute for Transunion on XX/XX/2016 but never got a response since. it has been nearly 2.5 months and i still do n't have resolution to my credit. Please help. 

Please call me at XXXX or email at XXXXXXXXXXXX

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 10/19/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am writing because I reported a fraudulent charge to my credit card company, they refunded my funds and now they have put the charge back on my account. I explained that I was the victim of identity theft and do n't know how someone also used my card without my permission. The charge was for XXXX for a company? XXXX My bank said they would issue my credit, they also cancelled my card because of the fraud I assume but now they are trying to take my money back. Thought I would see if you could help me before I have to spend more money on an attorney who said he would file arbitration paperwork or go to court on this matter Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my 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 explanation
Consumer complaint received 09-09-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX-XXXX-18 I emailed that XXXX XXXX tried to take the payment from my savings ( this has never been authorized. I setup the automatic payment to be pulled from my checking which has been pulling until the past couple of months ) and that because they pulled from my savings and not my checking that they caused me a {$28.00} fee from my bank and that now I will be charged a return fee by them. 

Their response " You can change the routing or checking account number from which your online credit card payment will be debited the next time you make an online payment. Simply select " Payments & Transfers ' at the top of the page. Click the " Add a new account link located under the " Form '' dropdown menu to enter the new designated bank account information. Once you click " Submit '' you will have the opportunity to immediately make a payment from the updated information. Please note, your new acct information will not be saved until you make a payment using it. If you need further assistance, please call us at XXXX or send us an email. 

My response through email " You are missing what I said. I did not at any time change it to pull from savings. I do not want to be charged a late fee by you. I also want you to refund the {$28.00} fee I was charged by my bank. You can do the research to see I authorized the payment to automatically be pulled from checking. I have NEVER authorized the payment out of savings. Please let me know when you will be refunding the {$28.00}. If you are not able to I will look to talk to a supervisor and possibly an outside company that can look into the fraud that has taken place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Contacted Experian via written correspondence and phone. They are STILL reporting invalid addresses on my credit report that needs to be deleted

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 12-10-2017 about Debt collection (Other debt) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received the letter on XXXX XXXX 2017 and disputed the debt of {$680.00} with XXXX XXXX XXXX, as I have no knowledge of it. Reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: very very hard time to cominicate with Law Firm Collectors, I` ll pay off my colletions but wan na find out after that what is next step and who is going and how my credit report. Calling them numerous time and they hang up on me every time. Need help!!! Please!!

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 with explanation
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Dear Sir/Ms. : For the purpose of introduction, I am a XXXX. In XX/XX/XXXX I completed a XXXX, in support of Congresswoman XXXX XXXX XXXX, ranking member on the committee on Science and Technology. 
In XX/XX/XXXX, I decided to complete a XXXX degree ( started at XXXX XXXX University in VA ) so that I could XXXX after over 35 years of XXXX. Due to a busy travel and work schedule I decided to use XXXX University ( my mistake ), and XXXX Department of Education ( DOE ) Federal Stafford loan as a matter of convenience. After acceptance of my application, The DOE, under XXXX XXXX, put the management and control of the loan into the office of the XXXX University Office of Financial management, and the largest alleged debt is now from WELLS FARGO? 
I received a communications from the US Department of Education dated XX/XX/XXXX ( please see attached file ). In that communications is further evidence of fraud. In the first table is a stated total of {$23000.00} from a Lender XXXX, XXXX, WELLS FARGO. I have never, ever, in my life applied for a loan with WELLS FARGO. I have never done any business with WELLS FARGO or talked with any representatives of that organization, yet the largest loan is stated as from WELLS FARGO. 
After passing the XXXX and continuing to the XXXX, fraudulent issues concerning mounting debt became so confused and exasperating, I realized that the school is about stealing money and not education. Therefore, XX/XX/XXXX, I notified XXXX University of my displeasure with their operation and that I will not continue with their program. I then started to repay the XXXX loan I made with the Department of Education ( DOE ), while trying to get answers to serious matters that indicate mishandling of the loan process by XXXX U and WELLS FARGO. A XXXX PLUS Loan is among my many complaints, it appeared at over 7.4 % interests when the DOE loan I applied for was 6 %. Thinking I made an error I paid it off in full. I continued making payments thru XX/XX/XXXX until I believed that all payments due were satisfied. I now have no confidence that the money I paid was ever received by the Lender, the DOE. The loan is now in default. 

After many attempts for assistance in resolving the issue, I submitted a letter of complaint to the new US Attorney General XXXX XXXX,, the department of justice responded with a letter, dated XX/XX/XXXX ( ID # : XXXX ), acknowledging they received my communications and will act on it. I am presently waiting, waiting, waiting for a response from the Department of Justice.

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 09/18/2017 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: Public record information inaccurate

Complaint: In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his GA State Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the GA Department of Revenue to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of GA directly in order to do so. However, GA Dept of Revenue informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Per the agreement reached between GreenTree Servicing and me, the escrow account was to be removed from my account once the escrow balance was brought to a {$0.00} balance. As of XXXX XXXX, 2015, the escrow should have been a {$0.00} balance as I made a payment of {$130.00} to the escrow account and {$400.00} to my principal/interest ( my normal mortgage payment pre-escrow ). I included a signed letter with the payment breakdown and requesting a phone call if there were any issues. I followed up with a phone call to ensure that my instructions were followed through. This was not the case. This is an arrangement that was entered into after my last complaint against GreenTree Servicing. My account has since been transferred to Ditech Servicing due to a merger.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my XXXX report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX  reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. Experian does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to Experian, XXXX, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with Experian, XXXX, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for XXXX  to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.

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 10/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage due to loosing my ex 's household income, I also was XXXX at the same time & lost my job. I have applied for a modification on serveral occasions with Ocwen, and they deny me every time stating that the " investor does n't allow a modification ''. My attorney found my mortgage papers and the investor XXXX XXXX XXXX trustee ) had a clause in the loan stating that the loan could not have a modification. I contacted the trustee, they said that the servicer can allow a modification, me servicer XXXX Ocwen XXXX still refuses to allow a modification. XXXX has turned me down because of the investors clause. My attorney has stated that a foreclosure judge can not order Ocwen to offer me a modification. that my only option is to file a BK XXXX if I want to save my home. I 've spoken with BK attorneys and even doing a bk XXXX, the monthly payments would be too high for me to afford. I am now working but had to take a lower pay because not a lot of companies will accommodate the time I need to take off for my XXXX needs

Company response to consumer: Closed