milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: AMERICAN EXPRESS has reported negative remarks on my Credit Report regarding a pending debt. I have not been presented with some practical solutions to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I can not get a credit score from Experian unless I pay them. XXXX and XXXX will show you a score. Why is it even legal for Experian to withhold the score?

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 09-05-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Greetings I am not sure if you can help I enrolled in XXXX college XXXX. XXXX loans are due paid before graduating I became delinquent because it was hard to keep up with XXXX loan before graduation. I was dropped from the program because of delinquent account. After wage garnishment I successfully completed a student loan rehab program and I was excited because now I can go back to school and finish to get my diploma in business. Well in XX/XX/XXXX XXXX college schools have all been shut down leaving me with still a XXXX loan I pay for every month I tried contacting Other schools and nobody wants to accept XXXX college credit units. Do I have a case for relief? I am not sure what else to do because I currently have no options. I have a huge debt burden get paid little money and I do n't have the opportunity to complete my program because XXXX schools no longer exist and no body wants my units? I know it has been years but it took me years to bring this student loan current I went thru wage garnishment and finally I enrolled in student loan rehab and did not complete that until XX/XX/XXXX and them XXXX XXXX took over and now nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been trying to clean up my credit with Experian and they are not cooperating with me. The other two credit agencies have been great my score with them is over 600 but for Experian they are not clean the negative things off my report. My report should not be XXXX. Even the company that I hired tried to get them to take off the old stuff and they are not doing it.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: InXX/XX/XXXX, I mailed a certified letter to Experian and I never received the results of the dispute. I received an updated credit report in XX/XX/XXXX from Experian stating that the item XXXX XXXX in the amount of {$13000.00} was verified but it did not include any documentation stating how they verified the information. I called Experian and they stated that they verified the information and they have documentation on file, when I requested the information I was told they have sent it and I explained to them I have not received the information and I was told I would have to dispute it again in order to receive it. I also requested that all address that were being listed were reporting incorrectly and that the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Any other address listed should be removed as it is not my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Can't contact lender

Complaint: harassment calls at place of employment. Collector must contact me on my main phone line which was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trident Asset Management, L.L.C. (VA).
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 have been engaged in dispute with XXXX XXXX XXXX XXXX, XXXX, and Trident Asset Management since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been an excellent customer, paying my mortgage promptly for over 15 years. I have repeatedly asked for a modification and was denied request because I was NOT LATE with payments. Finally became late because of chronic illness. 
I 've consistently submitted and resubmitted papers, spoke for months with Ocwen reps and was then denied because my income had dropped. This was the point in the modification in first place. I am getting nowhere with this company. 
Ocwen calls my home and hangs up when I pick up the phone. 
This is unacceptable behavior and an unethical business practice. 
My illness makes it extremely difficult to sort through papers and notices again and again. The stress is causing has increased my XXXX. 
Ocwen is throwing a person who is completely alone and ill in the street. I showed good faith all these years by making sure my mortgage was paid, no matter how ill I was. 
It is difficult for me to sit here and type this as I am XXXX from the XXXX compounding to my illness. 
I have asked they stop any actions towards foreclosure and grant me a modification in addition to taking the past due amounts and adding to back end of mortgage as I 've repeatedly requested so I can concentrate on healing and not worrying about dying alone in the cold. 
DON '' T LET THEM STEAL MY HOUSE! THEY 'VE MADE THEIR PROFIT! TREAT ME WITH THE DIGNITY AND RESPECT I DESERVE! 
Absolutely no fair customer service practices and no consumer protection. Please stop this madness!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (NV).
Issue: Managing the loan or lease

Complaint: They required unreasonable documentation in order to change the checking account that my payment is drafted on. You must call in to customer service and are required to submit a copy of a bank statement and voided check. Documents must be faxed or emailed. 

This is unreasonable in that most financial institutions allow for these changes to be made online or over the phone without having to submit " proof '' of account ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX car accident in 2006 which left me XXXX and XXXX for quite some time. I am now clear headed and realize I was a victim of a predatory loan scam by Quicken. I now need to renegotiate this and/or get some relief such as the additional interest removed and a fixed rate. The loan has been sold several times.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have subimitted several disputes of information in regards to XXXX XXXX credit card accounts showing incorrect payment information ... the credit report refuses to let me dispute again stating they have investigated and the information is valid ... my problem is I received a letter from XXXX XXXX that confirms that didnt provide any information to the credit bureau in regards to the dispute ... thus the credit bureau is luring it hasnt perform a valid investigation

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I got behind on our mortgage when my husband had XXXX XXXX. Green Tree sent us notification they were going to foreclose on our home. We finally got the money to catch the payments up and paid it. Thinking we were good we recieved a letter in the mail stating they were taking the necessary steps required by law to gain possession of the creditor 's collateral. It also states they 've sent us a " Notice of Default and right to cure Default '' notice. The notice is still in effect and they will proceed as outlined in the notice unless they receive {$400.00} in late fees. My husband went in person to pay the missed payments and was told we were current. No one said anything about late fees or that they could still foreclose on our home over late fees. They also charge every time you make a payment and with draw money out of our bank account even when we 've not authorized them to do so causing NSF charges at our bank. This company needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with Bliksum, LLC (WI).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: On  XXXX / XXXX / XXXX  my husband applied for and got a payday loan through Loanme.com. When my husband applied he specified that payments would be made available to the company on the   XXXX   of every month in the amount of  XXXX . On  XXXX   XXXX   XXXX  a withdrawal was made from our account in the amount of  XXXX . My husband and I do not receive our social security checks until the  XXXX  of every month so therefore there was no money in the bank and it left our checking account  w  a negative balance of over  three hundred d ollars. I contacted the company about their mistake. They claimed that they were entitled to the amount on the  XXXX  of every month, not the   XXXX  . I asked loanme to return the money to our checking account plus reimbursement for the overdraft fee. They refused. Can you please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Payday loan () with BlueChip Financial (AZ).
Issue: Can't contact lender

Complaint: I received a call today from a blocked number stating that they are court processor for XXXX XXXX and that I am being served an arrest warrant at home or at my job within the next XXXX minutes. When asked for further information they gave me this number and file # XXXX # XXXX I was then transferred to their " legal dept, XXXX XXXX '' Who then state that their company name is XXXX.I called a credit attorney and was told that there are too many red flags and that it does not appear that this company is legitimate and that they are not allowed to harass me or threaten with jail time.I then called the XXXX # again and the guy said that my file had been transferred somewhere but that he was not aware of and then proceeded to try and tell me why I did n't pay and that the XXXX address was from a XXXX XXXX office and why was I online while at work. I asked for a debt validation letter but the guy stated that I owe the debt and that he already sent several notices last year. He the mentioned the debt was from 2014 of which I then reminded him that I filled a bankruptcy back them and that is why I am asking for a debt validation letter. XXXX refused.

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 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Hello, Discover Credit Card closed my account on XX/XX/XXXX. I have been a loyal customer with them since XX/XX/XXXX. 8 YEARS of loyalty. I called the morning of XX/XX/XXXX asking if there was any way to re-open my account since it had not even been 24 hours since they had closed the account. They advised me there was nothing they could do. Told me I could re-apply and I replied back asking how that was going to help me. It is pretty disheartening that a company would treat their loyal customers like this. From forums I have read online, people have been successful re-opening their accounts with Discover. I am hoping that Discover will reconsider and allow me to reinstate my account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (NY).
Issue: Taking out the loan or lease

Complaint: Paypal.com in conjunction with a XXXX online order opened a " Line of credit '' in my former name XXXX XXXX XXXX billing me as Paypal Credit. The fees are high, as is the interest rate and as of XXXX/XXXX/XXXX I owe over {$100.00} on a purchase of {$41.00} made XXXX/XXXX/XXXX. 
The first customer service rep at Paypal told me that they do not have my SS # or birthday. Now a few days later, they say that they do. The advertising on the XXXX website for the paypal card is deceptive. 
Your agency nailed paypal for doing this with credit cards in XXXX XXXX according to XXXX Today. Now it appears they have found a way around the issues they were brought to court for and are issuing lines of credit instead. 
I have no paperwork from paypal stating the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Reporting company used your report improperly

Complaint: Equifax stored my personal information as plain text, and then released it to hackers, sold their stocks, and then announced the news.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian fail to delete personal wrong information on my report. Moreover, dispute results show that wrong information was deleted but it has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Account # XXXX CFPB CASE NUMBER XXXX Respond not fair enough Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accounts And maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the major credit reporting agencies. 
Although I made a late payment on XXXX XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payments I am requesting deleted and / or removed occurred on XXXX XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
I am keep sending request until get fair resolution Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I had to pay in order to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. It took me three times and over 3 hours to freeze my credit, and for XXXX and Equifax I had to try multiple times for it to work. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Explained to Equifax information was incorrect on my credit report. The original creditor claims they were never contacted about the dispute. I believe they are just passing the buck and not verifying complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Fraud or scam

Complaint: XX.XX.2017 A wire transfer was made in the amount of {$20000.00} based on a fraudulent email received by our accounting department. Please see attached email chain.

We contacted Santander within 30 minutes of making the transfer and spoke with a rep whose name we have, who assured us that he would inform XXXX XXXX to stop the transfer. Later that day, our VP contacted the fraud department of Santander and they also assured him that a reverse action would be taken. Two days later, I contacted the supervisor of the wire transfer department and she told me that she generated a fraud claim # XXXX. As of today, no one a

t Santander knows where the money is. I filed a police report and sent a copy to Santander.

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 05/16/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have sent police reports and text messages t o Capital One explaining  the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls my work phone and cell phone back to back XXXX4 times daily. I attempted to call this company to make arrangements and they refuse to give me their mailing address to mail in payments. I was advised the only way they would accept payments was via my bank account or via XXXX XXXX which will cost me more money than is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from SYNCB/PAYPAL showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with SYNCB/PAYPAL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SYNCB/PAYPAL provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SYNCB/PAYPAL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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