milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have just completed a chapter XXXX bankruptcy and it was discharged XXXX2017. The case was completed and is closed. XXXX are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to Experian and wont updated 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 non-monetary relief
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't have any account with XXXX XXXX XXXX XXXX XXXX 
However, I have received the bill every month since XXXX from the company. I have made complaint about this matter over the phone several times. They told me that understood and it was [ Fraud ] and fixed the issues. ( Last conversation with the company was XXXX/XXXX/XXXX ) Today ( XXXX/XXXX/XXXX ), I received [ COLLECTION LETTER ] from Collection Bureau of America ( XXXX ) and it said I owe {$84.00} the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: XXXX, XXXX and Experian have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained ( 1 ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), XXXX lowered my score by ( XXXX XXXX points? and added ( XXXX ) hard inquiries to my file? XXXX and Experian did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.

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 09/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received XXXX notification by Diversified Consultants Inc in XXXX 2015 ; I had 30 days to make arrangements per law or the debt will be reported on my credit report. I went online and made my first installment within 30 days ; company accepted terms, collected first payment and the company still falsely reported to the credit reporting agencies as unpaid amount ( which is not trueO and I continue to make no attempts to pay the debt. This has caused undue hardship to my credit score and is in violation of the consumer credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Payday loan () with CASHCALL, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan for {$2600.00} to date I have paid over {$10000.00} I have asked to settle the loan because I am a single mom and the $ XXXX monthly payment has become a challenge. They denied my settlement offer. I continue to make the scheduled payments and they continue to call me on a daily basis saying that I am behind when I am not. I am on the verge of tears and I just cant take the calls anymore. They say they will stop calling because the see that I HAVE been making the payments but the calls and emails continue. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am by no means trying to get out of paying my loan, I borrowed money, I want to pay it. I have called multiple times within the past two years trying to set up a lower repayment plan. I was told that I was as low as I could go. They told me forbearance was the only way in which to proceed. I wanted to pay {$18.00} less a month and they said no. Is n't paying money better than not paying any money. Additionally, why do you not taking into cost of living when considering the repayment plan. I have gain a lot of interest when I would n't have if they were willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: While looking into applying for a mortgage, I found I have a default civil judgement listed on my Experian credit report. The judgement was obtained fraudulently as I was never served and never had a chance to defend myself in court.Initially I disputed the record as fraudulent, but experian only confirmed the records existence. I then hired a law firm, XXXX XXXX XXXX, to fight this and they set up a settlement with the firm that sued me, XXXX ( NYS index # XXXX ). The settlement agreement stipulated the judgement being vacated with my agreement to pay a {$1300.00} settlement, in monthly {$100.00} payments until paid in full. The case is now closed, the judgement has been vacated for over one month, possibly two months, yet my latest Experian dispute over the matter did not remove the record from my report. Upon receipt of the dispute results yesterday, ( filed XXXX XXXX, 2015 ), I attempted to dispute again online with Experian and was told that I would have to mail my supporting documents when i tried to upload them electronically. Experian has failed to properly investigate my case and is keeping information on my credit report that will continue to prevent my from buying a house for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My student loan was held by First Associate and was to be transferred to XXXX. XXXX said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost XXXX years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent THREE different dispute letters to Equifax, and Equifax is refusing to properly validate the debts that I have put in letters I have been sending them since XX/XX/XXXX. They keep stating that they have " verified '' these alleged debts and unverified accounts. Equifax still has not identified who at Equifax verified the accuracy of those accounts and they were verified. As I previously pointed out in my first THREE LETTERS XXXX Law Dictionary, XXXX Edition, XXXX, defines " Verification '' as " Conformation of correctness. truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of a party. So that means that Equifax must be able to prove this in a court of law. The following accounts I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have retained all of copies of certified letters I have sent to Equifax which will used as evidence in pending litigation provided Equifax fail to comply with my request. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a few accounts with XXXXnavient that were taken out during my XXXX studies between XXXX I have a few issues, XXXX being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. XXXX being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account information is invalid and has not been verified as requested. There is no contract to prove the debt. 4 Legal letters were sent out for this account to be verified, in order to prove the debt valid, and no response has been returned besides my credit reports stating it as " verified '' with no documentation. In addition, it was requested that this account be removed from my credit reports for non verification in violation of state and federal law, and it still remains on my credit reports. They were required under the FCRA to have properly verified the accuracy of the account and they have not done so. There are no documents in their files to prove the account that has been disputed four times belongs to me. There is also no name provided as to who in the company attempted to verify it. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which ca n't be verified and have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed an inaccurate reported item from XXXX, through TransUnion, twice. 
At both occasions TransUnion is stating that as a result of the investigation, XXXX has verified the account information as accurately reporting. As a second step towards having this adverse innacurate item removed, I have contacted several times XXXX 's department of dispute ; 1., they are saying they no longer handles disputes sent to XXXX and 2., they are saying that TransUnion has never contacted them in regards to this specific matter. 
In order to take a 3rd step towards XXXX and file a law suit, I need documentation from TransUnion showing that the investigation has been done, and what steps were involved during the investigation. However, TransUnion 's head department is refusing to provide me with any documentation showing the steps taking towards this dispute 's investigation, and at one instance I was even told that there 's no investigation, they only send a courtesy email to the creditor asking to review the information reported.

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 02/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: . For the past two years since OCWEN has taken over the servicing of my mortgage I have been constantly harassed with phone calls, foreclosure threats and charged late fees when I have been complying with my contract and paying on time. Ocwen takes more than 10 days to process payments and deposit checks, claiming that I am late. I understand that Ocwen was prosecuted. The Consumer Financial Protection Bureau obtained a Consent Judgment against Ocwen, for XXXX in principal reduction and XXXX in cash to foreclosed homeowners. In spite of this court order Ocwen still continuous to violate the Consent Judgment Order, the Fair Debt Collection Practices Act with false misleading representations and unfair practices. 
I understand that Ocwen is a collection agency that services my loan. They refuse to tell me who the principle note holder is or give me contact information and this is causing me extreme anxiety as to what my legal rights are.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The Equifax team has not responded to letters and faxes regarding the incorrect and unauthorized inquiries in my report. Please have them remove since they are not mine. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my loan for almost FOUR years now, since XXXX XXXX. The XXXX XXXX packages I filed, all with MetLife and then the last transferred to Chase, were mishandled and processed as Short Sales ... NEVER was any paperwork completed for a short sale during that time frame. I filed a complaint with Chase 's corporate office and they looked into the matter. They returned a denial for assistance very quickly. So the house was then put up for Short Sale in the end of XXXX. XXXX offer came in and by late XXXX was withdrawn due to the buyer failing to meet certain requirements. I again filed a modification package, using an attorney ( XXXX XXXX XXXX XXXX ). XXXX of XXXX Chase informed me that they needed a Request For Mortgage Assistance form ... it was with the original package yet they mysteriously lost it. My attorney confirmed it was sent, but I resent everything on XXXX XXXX. XXXX XXXX I called and verified they received everything, they did. Now they needed a Quit Claim Deed Form?? I have been doing this ALONE for almost 4 years and they just now tell me I need this form?? The co-borrower would not sign and I came home on XXXX XXXX to find a Sheriff 's Sale notice. Calling Chase I learned they put it in the system XXXX XXXX, THE DAY I TALKED TO THEM ABOUT MY PACKAGE! 
Now Chase is telling me they have no record of the previous packages in their system, they only see the short sale and this resent package. Offered no help so I called the Executive Office ( XXXX ext. XXXX ) and tried to speak to the representative handling my account ... NO ANSWER. Left voicemail - XXXX TIMES - no return calls. 
I am disgusted how these big banks push us around and throw our accounts around like they are nothing to them ... well this is my home that I share with my son and enough is enough! Lawyers are telling me my only alternative is to file for Chapter XXXX bankruptcy, which is the last thing I want to do seeing that there is no guarantee that acceptable terms for a modification will be reached ... leaving me still with a foreclosure on my credit and the addition of a bankruptcy?!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: BBVA has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified BBVA customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to BBVA they promised a call back but never did. On XX/XX/XXXX I called BBVA offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The BBVA rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by BBVA. I then called back BBVA and advised them of my investigative findings. BBVA promised a call back and I never received one.  Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: APR or interest rate

Complaint: I contacted Wells Fargo, who oversees Dillard Credit Cards, regarding lowering my 23.49 % interest rate. XXXX, the rep I spoke with, informed me I could apply for " another '' Dillards credit card with a lower interest rate ; however I would not be able to transfer my existing balance to the new card. I feel this rate is excessive. I have a good credit score, been a loyal customer for 20+ years and feel I am being taken advantage of.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with P.S.C., Inc (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: There are two debts on my credit reports from XXXX XXXX XXXX. One is for a XXXX XXXX  specialist for {$2000.00} and the other is for a XXXX for {$100.00}. Neither of these debts are mine - I am in excellent health and have been to neither of these doctors. Ever. I have disputed them many times with XXXX and XXXX ( they are not on my XXXX report ) and they always come back saying that XXXX XXXX XXXX verified that the debts are mine. So, I sent a certified letter to XXXX XXXX XXXX requesting that they either offer proof that the debts are mine or remove them from my credit reports and gave them 30 days to do so. Their 30 days were up on XX/XX/XXXX/17 and I did not receive a response, nor have I received one since. I then disputed the debts with XXXX and XXXX, explaining that I had sent a certified letter to XXXX XXXX XXXX and had not received a response within 30 days. I just received a response from XXXX stating that XXXX XXXX XXXX verified that the debts are indeed mine. No, they are not mine. They had 30 days to prove it, they did not, the debts are not mine, they need to be removed from my credit reports and XXXX XXXX XXXX needs to be punished for not following the law.

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