milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize 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 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX billed me for earned premium for coverage provided so I paid them directly but this credit collection company has continued to bill me and harass me for money that I have already paid. They have sent me multiple bills and even offered me a settlement. I called them to ask them about the balance and told them that I believed this was a scam they immediately hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: I had an auto loan with Wells Fargo that has always been paid in a timely manner. In XXXX of 2016, I traded in the car that was financed with Wells Fargo on a new vehicle. That transaction paid off the Wells Fargo loan. Nevertheless, since that time, Wells Fargo has reported to the credit bureaus that this account has been paid late. I have called Wells Fargo to correct my credit report to update the pay history on my credit report, but they have not done it. I have also disputed the delinquencies with XXXX, XXXX, and XXXX, but Wells Fargo is verifying the delinquencies. There is no way that I could have paid a loan late that has been closed since XXXX 2016.

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 08/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Problem when making payments

Complaint: Loan orginated XX/XX/XXXX for {$400.00} 1st scheduled payment due XX/XX/XXXX for {$230.00}. Payment was not debited from my Savings account as previously arranged. Never presented to the Credit Union,  verified that the amount was never attempted to be collected. Company reports on their site that it was returned - obvious lie. My account # was reported as XXXX, it was verified as XXXX. The Credit Union says the XXXX 's are not mandatory. I have made phone calls to see why the payment was not processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their representatives have done " three-way '' calls with my Credit Union on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). I have faxed my bank statement verifying the account and funds still being there on XX/XX/XXXX.
A second level representative allowed the bank statement verification and resubmitted the payment debit for XX/XX/XXXX. To date the payment has not been taken from the account.
I believe they are deceptively not following their directives in order to take advantage of the borrower. I now have been charged fees, and the interest rate continues to climb. I am not able to resolve the issue with them and I would like to pay and close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX transunion - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/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 explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: After a complaint has been investigated with Trans Union, it is impossible to obtain the free updated report they are required to provide. When you go to the website which offers a " Free report '' you can only proceed if you agree to be charged {$11.00}.

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 10-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The repayment options do not take Into consideration living expenses just gross income. I barely have income left after monthly bills and my son. I 've had years of issues paying the loan back and there has to be an option to help. Other people get help. I could have had assistance with school payment when I signed up for school. I did n't even have a stable home or live with parents. I feel the forebarences put me way in over my head with Intrest and I will always be stuck and I should have never be signed up for the route I was given. I was young and misinformed and could have had way more help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX acct was closed, now its bk on cr rept

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: upon checking my credit report i noticed 3 chase cards on my credit, i requested proof of verification as well as validation including but not limited to a signed contract with my signature. the company has not responded and has not deleted it off my file

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In XX/XX/XXXX my daughter wanted to attend XXXX XXXX University in NC. She had just graduated from high school and having made XXXX throughout school I did not hesitate to help her when asked to help with school loans. My daughter later transferred to XXXX XXXX University in NC to pursue her XXXX because XXXX had a three year waiting list on their program. Once again I supported my daughter. She was maintaining a good GPA and taking college seriously. We hit a few bumps along the way with my daughters emotional stability and in XX/XX/XXXX she was diagnosed with XXXX ( XXXX ). She instantly became XXXX dependent on her father and I. I would 've never in a XXXX years thought that this would happen to my daughter. Now my husband and I are left to pick up the pieces of my daughters broken dreams and financial responsibilities. I have XXXX XXXX children and we as a family are barely making ends meet. I encouraged my daughter to apply for total XXXX forgiveness and she was told that I was primary on XXXX loans and they can not be considered for the forgiveness programs available today because these are private loans. Navient has done nothing to resolve my issue or help my family with repayment. They have threatened every inch of livelihood we have. I was told they would garnish our wages and put a lean on own house if we did n't start paying $ XXXX {$700.00} right away. We can not afford that as a family. Also, I feel there should be some consideration made on behalf of my daughter because going into this situation my daughter was in her XXXX and she had every intention on becoming a XXXX and signing a contract with a hospital to get her loans paid off. As you have read things did not go as planned. XXXX I am asking for help because no one seems to understand the struggle that our family is going through! My daughter consigned on all XXXX loans and I feel she should be eligible for a forgiveness programs because she was the one enrolled in college. I was not given any other options from Navient. They want the money or say that I will lose everything we have worked hard to keep. I 'm scared to think about where my family will be then. Can I be considered for forgiveness due to this circumstance? If not, I 'm in debt for almost {$100000.00} with no way out. Please help my family today!

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Law Offices of Mitchell D. Bluhm & Associates (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX and again on XX/XX/XXXX, The Law Offices of Mitchell ran my credit, they also reported falsely that I owed money to a XXXX XXXX XXXX or another 3rd party. This is a violation of the Fair Credit Reporting Act, they do not have factual information. There is nothing backing up their allegations besides unsubstantiated claims. I never applied for credit, I never guaranteed payment, I never signed anything and I never gave out my social security number, it must have been obtained from another source. This company " XXXX " has blatantly violated the FCRA requirements for reporting in an attempt to " Extort " money and tarnish my name. It is my understanding that in order to publish false claims in attempt to ruin someone's credit they must factual information, they do not. 
Please look into this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a student loan in 2007 from XXXX XXXX to pay for college. I recently finished XXXX school and the loan exited the grace period incurring a repayment fee. While the promissory note I signed at age XXXX did include a subsection effectively detailing that the company could tack on any fees they so desired at any point in time, I believe this to be unfair, deceptive and abusive. First, this provision was tucked away in subsection G of a boilerplate contract and was not disclosed in a clear and conspicuous manner. Second, the methodology of calculating this fee was never disclosed. Third, this fee is really a hidden origination charge and should have been disclosed as part of the interest rate disclosures that I am still unsure I ever received. The cumulative effect of these practices has resulted in monetary harm on my part, which I could not reasonably avoid because the fees were never disclosed to me and I had no way of calculating what they were going to be in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried on numerous occasions to contact XXXX XXXX XXXX, XXXX, XXXX & Equifax to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. On XXXX XXXX, XXXX I contacted US Bank and informed the bank that my credit report with XXXX had been acquired after speaking directly with XXXX. I requested that US Bank withdraw my application. On XXXX XXXX, XXXX I went to a local US Bank branch and spoke with a banking XXXX who contacted US Bank 's XXXX department regarding several hard pull inquiries on my XXXX credit report by US Bank. On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. I contacted XXXX who indicated they US Bank was in fact provided my full XXXX credit report resulting in hard pull inquiries on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in conjunction with these two credit card applications. XXXX stated that I would have to dispute the information directly with US Bank ; however, US Bank stated that I would have to initiate a dispute with XXXX. Unfortunately, XXXX does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with US Bank and XXXX to no avail.

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 03-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: On XX/XX/XXXX my bank account was debited for XXXX without my authorization. In talking to the bank the Legal Order was ordered by Portfolio Recovery Associates. I received a Notice To Defendant to my father 's address dated XXXX/XXXX/16 for an amount of {$6000.00}. 

I have no idea why this judgment was entered and what this is for. 

I lived with my father for 6 months but did not incur any debts, did not make any purchases and I 'm not familiar with who Portfolio Recovery Associates is. 

Now I have no money to feed my son and no money to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have just received a foreclosure notice from Ocwen LLC they have not honored the loan modification took all my payments, did not apply them extended my loan to XXXX months and have told me repeatedly that it was being " taken '' care of but the modification department needed time to review everything and that it takes time. They went from " we are on your side '' to " sucks for you '' my Loan was at XXXX and despite payments they have increased it by XXXX to XXXX and not applied XXXX penny to the account, in addition I sent them proof of every payment made and cleared and they have not updated their system. I have at least XXXX equity in my property, they are basically trying yo steal it from me. They have made me complete at min, of XXXX loan modifications, because they messed up the paper work, giving different amounts to be paid, some as small as XXXX they sent me paper work for a payment of XXXX each month to XXXX then would not cash my check and returned it to me because they mad an error and the new amount was XXXX. A XXXX dollar difference. I have complained to XXXX and Ca department XXXX oversight and they have done NOTHING! I have ALL documentation and correspondence. I have bank records and even had XXXX bank call with me and they are not acknowledging my PROOF of payments and could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Other

Complaint: I work for XXXX and when the XXXX occurred was given credit reporting services through XXXX. I have been monitoring my account since around XXXX 2015. I have a copy of my most recent credit report. On XXXX I noted that " Potentially negative information has been posted to your Credit Report '' by AMEX on XXXX/XXXX/15 and XXXX/XXXX/15. I have called AMEX about this several times. They assure me that " I have always been reported in good standing '', but have referred me to their Department of Credit Bureau Unit ( DCBU ) at XXXX several times to confirm this information. When I speak to the DCBU at Amex, however, I am speaking to someone in XXXX who interrupts, seems agitated, and today sent me back to AMEX customer service without asking permission when I protested their response. The response they give is very different than what AMEX customer service gives me. While customer service assures me I am in good standing, DCBU says I have gone over limit and that is why I was reported. It is important to point out that my husband and I requested a credit limit at AMEX of {$1400.00} on the advice of our financial advisor to help curb spending. We were not told we would be allowed to go over that amount. Several times ( notably the XX/XX/XXXX and XX/XX/XXXX occasions ) they allowed us to spend more than {$1400.00}. In other words, while we thought we would be stopped at the point of purchase, AMEX allowed us to exceed the limit. This is why the negative reporting is unfair. In good faith we asked to have our spending on AMEX limited, yet they did not follow through with that promise. Only recently in an earlier call this month ( XXXX XXXX, I believe ) did AMEX tell me I must request a 'block ' be applied to our account once we reach the {$1400.00} limit in order to freeze spending beyond that point. I requested this on XXXX XXXX. This was too late, however, to avoid the negative information to the credit reporting agencies. My goal is to remove all unfair negative remarks to credit reporting agencies.

Company response to consumer: Closed with explanation