milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR N/A N/A $ USD 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 03/25/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've had both the amount and the due date of my student loan arbitrarily changed. No prior notice was given that the amount nor due date would be changed. I was simply notified that I was ALREADY 45 days late! 

Previous notices tell me I owe {$270.00} on XXXX XXXX, 2016, but then mail notices in XXXX 2016 tell me I am 45 days late on the amount of {$1200.00}! 

Since the amount and due dates keep changing **without explanation*** I therefor need, first & foremost, to have communications in writing so I can have documentation of what arbitrary changes are made WITHOUT prior notification. 

I have emailed Heartland / ECSI and they replied that they canceled the the inquiry because : " To safeguard your account specific information, security measures do not allow ECSI to respond to your question/inquiry via e-mail. However, we will be more than happy to help you through our Live Chat portal or via telephone at XXXX. '' That safeguards THEM from me getting proof in writing of what they said! It does NOT protect ME! 

I need : 1 ) email communication so I can document their harmful & arbitrary changes to my account. 
2 ) I also need explanation as to what they heck they are doing & why they keep changing the amount due & the due date. 
3 ) I also need to know how they are calculating my interest & when it is due. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Private student loan) with KEYCORP (FL).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: In XXXX 2004, I arrived at XXXX XXXX as a new incoming freshman. As part of our orientation, we were herded into a meeting with Key Bank and financial aid to sign master promissory notes. It was presented to us as being perfectly normal, and my father ( who is the responsible party here, I was XXXX at the time ) took them at their word as well. <P/>Following this first semeester, I was later told by financial aid that there was no point in even filing a FAFSA, as my father 's income ( in excess of $ 120k ) basically disqualified me from any aid at all anyway. This unfortunately included federal loans, so all of my expenses were instead put on private loans from Key. <P/>After my second year, this suddenly stopped. I was refused additional loans, and I later learned that Key Bank was selling off my existing debt and may be folding entirely. I instead had to get private loans through XXXX XXXX, now serviced by XXXX. The original Key Loans are now handled by XXXX XXXX, while my scattered federal loans ( regained near the end of my XXXX and also accumulated during XXXX XXXX ) were consolidated and now serviced by XXXX. <P/>
Now here 's my problem : Each of these three loan servicers basically says, " You can reasonably afford this much payment. '' And they 're correct. However, all three of them say this, and all three do not care that I am basically being asked to pay 3x what they all agree is reasonable. <P/>This is directly due to two factors which I wish to lodge a complaint about : 1 ) I was presented with no options as an incoming freshman. I was not appropriately counseled by the financial aid office, and my guardian responsible for me neglected his responsibility to diligently follow up on this. By the time I was no longer a dependent and learned to handle these matters for myself, it was too late. Everything was already in motion and even correcting the problem ( borrowing correctly moving forward ) led to this final configuration. <P/>2 ) Due to the disgustingly protective rules governing student loans, I seemingly have no rights to manage this debt. I 'm not even asking that the debt be erased due to the incredibly shady way Key Bank secured the business of a good chunk of my incoming class ( I can only assume they paid for the privilege of being present during orientation to prey on the new, unaware students and parents ... ),  though that would be really nice. I just want to be able to consolidate this debt with my federal loans to get them into a single account with a single servicer with a reasonable interest rate. I WANT to pay this debt back, but I need the tools to manage it, afforded to every other class of debt, but to which student loans seem to be the sole exception.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/28/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am an XXXX XXXX service member seeking assistance with my mortgage. I have made many attempts to work with my lender but I often times feel as though I am being given the run around our just being outright lied to. We experienced some rather life altering difficulties after moving into our new home. We went through a period where we were unable to pay our mortgage. We were sent to XXXX. We dug in and worked hard though. I picked up a XXXX, short term job in addition to my military position. We cut off everything of " luxury '' - cable, internet, cell phones, eating out, school trips for the children, vacations, birthdays etc. We pulled ourselves back from the impending devastation and resumed paying our mortgage in XX/XX/XXXX only to have our payments mailed back to us demanding full payment which at that moment was impossible. 
Since then I have been actively seeking a solution with the mortgage company but have been met with countless obstacles.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage does not respond to my requests. It is impossible to contact them by phone, all you get is prerecorded messages. I tried contacting them by the website and they did not honor request. My insurance has increased dramatically and I wanted to shop around for a new policy but instead of working with me they went ahead and the policy. Now my payment will go up AGAIN and they will not let me try and find a more reasonably priced policy.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Mortgage (FHA mortgage) with MLD MORTGAGE INC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XX/XX/2015, I closed on a property that was obtained thru a XXXX loan. The mortgage is with MLD Mortgage Inc. The way the mortgage is set up, I borrowed money for both pruchasing building, and rehab for it. The rehab money is in an escrow account, operated by The Money Store. The process is that we complete some of the rehab, thru an approved general contractor, the work is approved by a HUD consultant, and the money is distributed according to work completed. I was told once the paperwork is completed by the HUD consultant, it should take 3-5 business days for a check to be issued. The HUD review was completed and turned in XXXX XXXX, XX/XX/2015. My loan officer XXXX XXXX turned the paperwork in that day. I have not received any money for the work completed. I have contacted XXXX, and he states he turned the paperwork in, and after that, it is out of his hands. He gave me several people to contact at the Money store to get information on why the process is taking so long. I have contacted every he suggested, I have not gotten any information as to what is delaying the funds being distributed. I actually can not even get anyone to return my emails or call. I 'm frustrated because the contractor for the porch completed the work 4-5 weeks ago and he needs a payment of {$15000.00}, which I do not have. I would like some communication between The Money store so I can tell the contractors when to anticipate payment. I also am paying interest on the money I borrowed, so I feel it is unfair that I do not have access to money I 've already paid for. 
XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Money store Corporate office ( XXXX ) XXXX XXXX ext. XXXX XXXXXXXXXXXX Dear XXXX ext. XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After cancelling XXXX I was informed that I would receive a kit to send back equipment but that was never received. Equipment was left with landlord and I no longer have XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax continues to reinsert previously deleted and false information and I am asking CFPB to make them stop doing this. They have ruined job opportunities and credit opportunities and cost me an increased mortgage interest rate because of this. Currently, they are reporting, in violation of their own policy and federal law a Chapter XXXX bankruptcy that was filed seven years ago in XXXX 2008. 
Additionally they are falsely reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXFinally, they are reporting as XXXX separate inquiries a single authorized inquiry XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a house a few years ago, and got a fixed 30yr mortgage. The monthly payment, including taxes came to {$2500.00} ( {$1900.00} for principal and intrest and {$600.00} for taxes ). About a year ago, the mortgage changed hands and the new company is now charging me {$2600.00}. I was confused by the increase in amount as it is a fixed loan and my taxes have not gone up. I called the company multiple times to try to figure out why, but the best explanation I could get was that they were now demanding an additional {$8000.00} sum to be kept in an escrow account, in addition to monthly sum I was already paying towards my taxes. I checked the fine print of the contract, and it is RESPA compliant, which means the amount the are charging is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After they called a few times I googled the number and it appears to be some sort of debt collector. They will not say why they 're calling and ask for personal information without explaining why. If I do n't answer they do n't leave a message. I have not received anything in writing about any debts owed, so if they are indeed debt collectors they either have the wrong number or have failed to inform me of what the debt is.

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 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX had my loan when I was in school. Prior to it coming out of deferment, I updated my address with XXXX. When they transferred the loan to American Education Services ( AES ), somewhere in the process, the new address got completely lost and my previous address got transferred incorrectly. I never received notification of the transfer of my loan, nor a bill. 
In my complaints directly to AES, they claim : 1. they did not have my permanent address. ( see attached document directly from their site proving they did ) 2. They sent my mail to the same address as they sent to my cosigner " XXXX '' ( see attached document proving they sent my mail to " XXXX ) I therefore, not only did not get the mail to my PROPER address but also somewhere in the transfer they changed my street name and town. ( there is a XXXX and also a XXXX town ) It was n't until I went to refinance my home mortgage that I found out a company was tanking my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: First of all, I had to disconnect my home phone because it was the only way to stop unwanted soliciting calls from Nationstar Mortgage. Seriously. I HAD TO DISCONNECT MY HOME PHONE BECAUSE OF THEM!!! 
They, Nationstar bought my mortgage from XXXX, of course without my consent, and since I had a home phone number on file, they started calling twice a day every day begging me to refinance the very same loan they just bought the way it is. I had to say I do not want to refinance the loan hundred times. I talked to manager, and to managers manager, and they keep promising the soliciting calls will stop but they did not till I disconnected the line. Thanks God I was smart enough never to give them my office number cause like I sad I had to disconnect the phone to get rid of them. That is the reason I will never call them from my cell or office line not to let them have the numbers. Now, they started making mistakes on my payments and charging " Other '' from my monthly payments. So I went to their web site to send them email and inquire about it but to my disbelief their web site is not working. Of course only if you want to send email, I guess to prevent customer complaints. And it is not working for many days now, since last week. I just ca n't believe this joke of company has a license to do this business in the States. They can not introduce new " Other '' charges to MY MONEY just because they want to. Right?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (GA).
Issue: Shopping for a loan or lease

Complaint: I have recently purchased a new vehicle from XXXX. The loan was financed through Exeter Finance Corp on XXXX/XXXX/2016, and they starting blowing up my phone today XXXX/XXXX/2016. When I say blow up my phone I mean XXXX phone calls within a 3 hour span, and 4 of those calls were within 12 minutes. I was in a Managers meeting with my job, so the phone was on silent, and they avoided leaving a voicemail. So once the meeting was over I called the number to see who was calling me, and it was Exeter Finance Corp. I just signed my loan less then a week ago and my payment wo n't be due until XXXX XXXX 2016. So why would they need to call me that many times in one day? I feel as if this is a huge form of harassment, being employed by a finance company myself I know what is illegal. Just got another phone call at XXXX after I already called them to notify them that I did n't want phone calls. They did n't ask me for my number when I called in, but they have caller ID as well as number notifications when calls come in.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Diversified Acceptance Corporation (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They reported inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On   XXXX    XXXX , 2017 I received an email from   XXXX   saying that they could not approve my application. The fact is I never submitted an application with them. They also said that SageStreamLLC provided them with my credit report. I never authorize   XXXX   to pull my credit and I did not authorize this SageStream, the credit reporting agency to provide my information to them. I feel that I should be compensated for this unfair invasion of privacy

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 04/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Related case # XXXX Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

tel:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was working for a XXXX when XXXX declared Bankruptcy. I was under a lease with XXXX and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances.  They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive notice to dispute this debt.  I moved out of the complex in XX/XX/2009, and the report is dated XX/XX/2009

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