milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Payday loan () with MNE Services, Inc (LA).
Issue: Can't contact lender

Complaint: i got a call at my work yesterday evening XX/XX/XXXX ad the caller said they were from advantage services saying I owed a payday loan fromXX/XX/XXXX I have n't had any and the said it was from XX/XX/XXXX when I ask for documentation to be sent to me they caller got ugly and so I hung up in her face. then she called back. I refused the call and told our operater not to accept any more calls like that. they threated charges and court. they were very ugly. I have not had a pay day loan they have they last numbers of my social security number. I do n't know how they got it but they do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I first disputed with experian numerous accounts to have validated and legally able to report. I got back a list in which they refused to investigate stating they investigated and dont need to. Then I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. Experian doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue and what did they send back a form letter saying how they do investigation and that they wont reinvestigate. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.

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 11/25/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: i applied for a bank of America rewards card and was denied 3 different times it seem that they have a policy of denining XXXX a chance to get credit I have had people with worse credit scores than me that were approve for XXXX and XXXX credit lines. I think that banks of America needs to be looked at with there credit practices which are unfare and is discrimming against XXXX. I would like for B of A to give a fair chance to all people of getting credit not just some people XXXX XXXX applied for credit card and was denied 3 times. change there discrimmation practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Some weeks ago I was visiting your site and pursued contacting the main three credit reporting agencies. I was sent correspondence from XXXX and TransUnion that I needed to submit documented proof that I live at my current address as I have since 2009. Yesterday, I received the attached correspondence from TransUnion that my current California Driver License, a XXXX Medical Bill, Department of Veterans Affairs documentation and I believe a utility bill. Apparently this is still not good enough and I believe TransUnion in particular just does not want to comply and provide me with a free credit report so that I might manage my own identity and credit protection. They seem to keep coming back with a lame excuse that what I am sending from their own criteria is insufficient to prove where I live. It has gotten ridiculous and frustrating. It appears if I pay them for it, there would be no problem. I keep getting jerked around and around. XXXX has not bothered to respond despite sending more that the proof documentation they require. XXXX seems just to have ignored my request all together as I have never heard back. Again, I made these requests through the link on your site. I do not know what the problem is other than this is nothing new as these people seem to wield some sort of arrogant power that does not serve the consumer. Especially when it comes to removing inaccurate information which impacts credit. On example, regards a closed child support case from years ago and showing it is still open. I wish there would be more regulation over this group.

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 01/22/2016 about Debt collection (Credit card) with Mandarich Law Group, LLP (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been receiving collection letter from mandarich law group for over four years trying collect on a debt that I do not believe is mine and even if it was mine statue of limitation on it has passed. even though I have been asking for debt validation on this account I have not been receiving no information on it. Also every time I look at my credit report I see illegal credit inquiry by mandrich law firm. What mandrich law firm is doing harassing me by their tactics to lower my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I contacted protfolio recovery services in regards to XXXX debts that were showing on my credit report. While on the phone with portfolio r/s they told me they have " XXXX accounts on file '' XXXX of which were time-barred debts I had no knowledge of. After requesting Information on XXXX debts that were NOT time barred and may be valid, I hung up with portfolio r/s and called my wife to inform her of what I found out. I have just found out that after that conversation ; my wife called portfolio r/s and they discussed these debts with her. Portfolio r/s did not have my permission to speak with my wife in regards to debts that were not " shared '' debts. I feel portfolio was attempting to obtain acknowledgement of time-barred debts ( which I still do n't believe to be real ) in order to sue on debts I do not owe. I found this out today- XXXX XXXX, 2015 after receiving XXXX dispute letters in the mail- XXXX debts I was seeking validation on and XXXX time-barred debts I never discussed with portfolio recovery services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been disputing hard inquiries on my credit with TransUnion Credit Bureau for the past 3 months I have filed electronically and called and talk to a live agent. The live agent removed the inquiries but they have recently returened XX/XX/XXXX. They were previously removed XX/XX/XXXX/XX/XX/XXXX and put back on my credit report again. I check my credit monthly and I know they were removed XX/XX/XXXX/XX/XX/XXXX I know that TransUnion removed them because of a computer glitch or error in which effected my account and I was never notified. Listed are the inquiries disputed, removed, and added ack on to my report currently. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 06/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with XXXX in respect to a loan modification with my lender Wells Fargo for a few months now. I have submitted all my documentation and yet Wells Fargo keeps asking for the same information or stating that additional and more extensive paperwork is needed in order to review my file. They have all the documents they needed and yet are refusing to postpone my foreclosure sale scheduled for Monday XXXX XXXX, 2016 and are violating my XXXX Rights. I feel as though they are playing this run around game and forcing me to have to go through foreclosure and sell my home. I feel they should postpone the sale and allow me time to be fairly review for foreclosure alternatives. Putting a foreclosure sale and forcing a deadline when they have everything they already need is completely unfair and causing stress and anxiety to my life.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX We disputed the information that 's being reported to my credit report which is incorrect and this company has n't provided me validation of the information that they 're reporting and using general information to confirm this incorrect information. This is causing very negative effect on my credit report scoring and I want this information removed ASAP

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 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I directly disputed through XXXX. It 's a apartment debt in which I did not resign a lease with the company my roommate done so I did not. I requested documentation that shows I 'm liable for the the debt I have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying for months and months to get my mortgage caught up. I have a good rate, so I do n't think any refinancing would help. However, I just ca n't double up on my payments and they keep tacking on all these late fees. Then there is a section of " other charges '' to this day no one can tell me what those are or what they mean. I would just like a little help to give me a deferment or something so that I can keep paying every 30 days, but that it 's under 30 days past due and not incurring these fees for no reason, all while sending me threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: Bayview Loan Servicing is stealing mortgage payments and claiming they never received your payment. During my Trial Loan Modification I made all 3 of my payments on time. XXXX XXXX is a very dishonest person, she lied saying they didnt receive my XX/XX/XXXX payment. Today I decided to go online and look at my statement and I can clearly see where Bayview Loan Servicing received my payment on XX/XX/XXXX in the amount of {$710.00} and it was credit to my account on XX/XX/XXXX, a blind man can see the fraudulent activity going on here. XXXX XXXX sent me a letter yesterday saying my Loan Modification is  denied because I didnt make my last payment. Is XXXX really that XXXX, she doesnt see the payment? I have done everything to resolve this issue. I will be going forward with a lawsuit against these CROOKS! My Loan Modification was APPROVED and EXECUTED because I did everything I was supposed to during my Trial Modification Period! Something serious is wrong with XXXX XXXX and she needs to be terminated and locked up for trying to steal and scam people!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX   XXXX   XXXX  Attorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.

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 08-06-2015 about Debt collection (Medical) with Business & Professional Collection Service Inc (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Equifax : I had previously disputed XXXX as a fraudulent account and it was deleted months ago. Today I get an update that my credit score plunged 82 points and this XXXX student loan account appeared again on my report. I am suspecting you are not in compliance with federal law to prevent re-appearance of previuolsy disputed information. 
I have been trying to contact Equifax by phone and can not access my report online. I already disputed that information on the CFPB portal and it was deleted and it was placed back on this month. 

The account name is XXXX, please remove this account or I will seek legal remedies under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Managing the loan or lease

Complaint: I am writing about the company Rise Credit. I recently changed my bank account but emailed them all my information so they can process my payment through there. My balance is {$4000.00}. 1 payment got returned because they took it out from the old account. They charged me for it and i saw that my balance is {$4300.00}. I emailed them my new account to process my payments there which they replied back to confirm they 've received it. But they said it was return again today XX/XX/2016. Now i saw that my balance is {$4600.00} My initial balance was {$2600.00} but they re-financed me knowing I still have an ongoing loan on them which California law say they they can not offer additional loan if there is still existing one but my mistake is that I took it. I already paid almost {$4000.00} for my initial loan of {$2600.00}. But nothing went to the principal balance. California law say that return check should be charge for {$15.00} only but they charged me for {$670.00} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I obtained a small student loan ( less than {$3000.00} ) from XXXX XXXX in XXXX. The loan was owned by Navient until they sold it to National Enterprise Systems due to my inability to make the payments due to financial hardship. After being repeatedly harassed by NES ( threatening voicemails, repeated calls throughout the day, etc ), they finally agreed to a payment plan of {$50.00} a month to be automatically deducted from my checking account. That was in XXXX. I reauthorized the payment plan with a NES representative in XXXX. I last received my monthly statement from NES in XXXX for the XXXX payment. I have n't received any further communication from NES or Navient and my XXXX payment was never deducted from my account. Now, my father just discovered my loan under his Navient account in my name. It seems that Navient now has control of my loan again and is demanding payment. I was not notified that there was a change being made to my repayment agreement. Plus, I had no way of knowing since it is my father 's account and I do not have access to it. I called NES and left a message earlier in the week and left a message but no one has bothered calling me back. This is unfair to me and violates the agreement I had with NES. Someone from one or both of these companies should have contacted me and they have no right to put my loan on my father 's account. That is a violation of my privacy and prevents me from accessing my loan. I believe I have been mistreated by both companies and I am seeking a resolution to this problem. I have never missed a payment since I entered the repayment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. 
I never received anything from this company. 
They should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Student loan (Non-federal student loan) with Social Finance, Inc. (DE).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I received a prescreened offer from SoFi to refinance my parent plus loans. I applied and was declined. The adverse action principal reasons provided stated : Delinquent past or present credit obligations with others. It would appear as though SoFi 's prescreen criteria is " tighter '' than their post-screen criteria. Meaning all of the previous delinquencies noted on my credit bureau are older than 2 years, so they were clearly they tradelines in question were there at the time of prescreening. You should not be declining based on information that is readily available at the time of prescreening, or do n't send out a prescreened offer. 

Additionally today I received another prescreened offer from SoFi for a personal loan up to {$93000.00}. 

I do not believe SoFi understands the purpose of prescreening individuals and direct marketing to them. I could understand if something changed with regard to my bureau report or my income ( ability to pay ) but that 's not the adverse action stated.

Company response to consumer: Closed with explanation