milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: A chapter XXXX bankruptcy is being reported on XXXX, Experian and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XX/XX/XXXX ) it still remains.

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 10-07-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: After re-reviewing an account transaction document received from Bayview Loan Servicing LLC XX/XX/XXXX earlier today, I found a charge of $ XXXX from the servicer applied to my account in in XXXX XXXX for a FORCED PLACED homeowners insurance premium despite having full coverage at the time. Upon further review of the document listing transactions from XXXX XXXX - XXXX XXXX, there appears to be no reversal/credit of that charge. 

I own a condominium XXXX Massachusetts XXXX and the master policy at the time was in place from XXXX XXXX and ran through XXXX XXXX. The certificate was submitted to Bayview Loan Servicing LLC in XXXX XXXX within three weeks of being requested by them for proof of insurance. The premium however, was charged to my mortgage account two full months BEFORE receiving any notice and while the policy was in place and in good standing. Nor was I ever advised in writing or at any time during the phone conversation confirming receipt of the policy certificate of having a forced-placed policy or any charges.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have challenges with receiving a response or appropriate action from FedLoan Servicing every time I submit a request. I submitted my XXXX XXXX XXXX XXXX application three separate times. Only once did I receive a denial and guidance on what I need to change. I called yesterday for my application submitted on XXXX. The staff stated my application was denied again because my employer did not initial the box. The staff reported they called my employer and did not receive a response. However, there are no directions which state the box needs to be initialed. XXXX at my employer reported that she did not receive a call and is great at responding to all requests she receives. FedLoan Servicing did not inform me of any of this. I do not understand how to have FedLoan Servicing process my application and give me credit towards the forgiveness program. I have been working on this for over six months. I need to apply to have my employer cover my loans and I am nervous I will lose that benefit if my servicer can not provide the appropriate documentation as it took over two months for them to respond to my request and several calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with Delray Capital, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company keeps calling advising if I do not call them today they will start legal action.. This company also called about 6 months ago advising they had filed legal action and we 're looking for an address to serve me and if I did not provide XXXX they would contact my employer. I saved. These messages. 

I have asked them for verification of the debt but they refuse to provide it to me. And advise they will proceed. I have checked the county records and there have been no filings against me in small or municipal court. Any debt owed exceeds 4 years and the status of limitations is XXXX.

Company response to consumer: Closed
Consumer complaint received 04/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I contacted FedLoan Services after hearing a commercial on the radio. The company offered to consolidate my loans and lower my monthly payment. However, I had to pay them {$800.00} up front and an additional $ XXXX per month for their service fees. I paid them {$99.00} every two weeks until the amount was paid in full. Now, I pay them $ XXXX per month for their services in addition to my monthly payment goes towards my student loans. My first payments started on XXXX XXXX, 2015. 

I found out that charging a fee for the services was illegal when I called your agency in regards to something else. If this is the case, I would like my money to be refunded to me. I 'm also wondering if they are allowed to collect the $ XXXX monthly fee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Convergent Outsourcing dated XXXX/XXXX/16, that I have a past due account with XXXX with a past due balance. I do not have an account with XXXX, thus this account those not belong to me that they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (I do not know) with R & B Corporation of Virginia (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Control Corporation has been reporting on my credit profile that I owe them a debt {$220.00}, I 've has send them a notice of dispute which they received on XX/XX/2015, I have green card to prove they got it. They are still reporting that I owe them a debt, this is a violation of the fcra. My dispute is under notary seal, I gave them 10days to respond with a contract with my signature they failed to do so, and they mail me some frivolous papers, with out my signature witch is a violation of the, fdcpa, they 're also are violating the VA consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: IN REGARDS TO : XXXX STUDENT LOAN AUTH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I HAVE SENT NUMEROUS OF LETTERS PERTAINNG TO THE VALIDATION OF THESES ACCOUNTS THROUGH CERTIFIED LETTER RECEIVED XX/XX/XXXX BY XXXX XXXX. THE ACCOUNT SHOULDNT BE REPORTING AS IT HAS BEEN TANSFERED AND SOLD TO ANOTHER LENDER THROUGH CONSOLIDATION. THEY ARE ALSO INACCURATELY REPORTING THE TERMS DURATION OF 144 MONTHS AS WELL AS THE DATE OF LAST PAYMENT XX/XX/XXXX AND THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX. NOW HOW IS THAT EVEN POSSIBLE? THEY HAVE NOT COMPLIED WITH THE FTC NOR FCDPA AS FAR AS IM CONCERNED AND I AM CERTAINTLY OUTRAGED BY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan was sold from XXXX To discover student loans and improperly charged off. I was called in XX/XX/XXXX and told I must pay off all late payments or my loans would be charged off. I entered into a repayment program after I was informed that they had charged off to do whatever I could to repair my credit. I was informed by discover that they have no credit repair options, and that even though I was going to bepaying double the minimum payment two Months after it had originally charged off, it would have no positive effect on my account status or credit report. After I was unable to make the full payment, my loans were charged off and I was informed by a different employee at discover that I could have made a minimum payment to bring my account into a current status. I payed off the loan In XX/XX/XXXX and the loan is still showing as a charge off even though it is paid in full 3 months ago and it is preventing me from getting a mortgage and buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Shopping for a loan or lease

Complaint: I applied for an auto loan when the 2016 model trucks came out from USAA Bank. Sent in all financial information and was not granted loan. Turned down flat. I believe it is due to my XXXX. Cleary there is enough cash flow in my personal tax returns when a skilled agent or licensed agent evaluates the available cash flow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Federal student loan) with Allied Interstate LLC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX I made payment arrangements with Allied Interstate for some of my student loans that went into default ... the only reason I was in default on these loans was becuase XXXX made an error on my payment arrangement with them and was/is only applying my monthly payments I automatically make to them to half of my loans ( unknown to me and even XXXX does nto know why that happened and they are the ones that set the payment up ). 
Anyway I have been making payments by automatic deduction to my debit card ( because I was told by Allied Interstate they can not do ACH debits for payments just debit cards which I do not believe is correctnd seems a bit shady/illegal ). the payments are made every 2 weeks and have been taken since XXXX 2015 but I still continue to receive calls daily, sometimes several times a day and letters threatening to garnish my wages or take further legal action if I do n't make payment arrangements. When I called them to tell them I am making payments and to stop the letters and calls I was told that they would stop but they have not. In XXXX I was changing jobs and called to have them change the payment dates as my pay schedule was changing and I explained that my new payroll would not reflect dedcutions for insurance, union dues, etc for at least 60 days but that I would provide copies of my new paystubs and new income amount at that time. I was assured this was acceptable but still keep getting calls and today received another voice mail threatening this time not only threatening to garnish my wages but to cancel my payment arrangements if I did not send in the payroll information. I left them a voicemail in return explaining again that I had arranged to send in my new payroll information at the end of XXXX as agreed and that I was tired of being harrassed and ifit did not stop I would contact an attorney as I am tired of it ( this was all said politely ). In the voice mail I explained I was at work and was unable to talk and yet they called back again. This has been going on for months and I feel is harrassment. This company has had previous legal issues with their collection methods from my research and I want them held accountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Payday loan () with CNG FINANCIAL CORPORATION (WI).
Issue: Applied for loan/did not receive money

Complaint: Check N Go. Oy! Since my last visit ( years back ) everything has changed. In times past, you would receive cash on-the-spot and you would then leave them a check with the payback amount which they could then cash, thus paying off your loan. Not anymore! Now, instead of leaving them a check, they enter your full account info into their system ( essentially allowing them to access your account directly however and whenever they feel lke it ). 

The loan is also supplied differently. No cash. Instead, they give you a third-party debit card ( which I need like a hole in the head ), supposedly containing the amount of your loan. I took that card to XXXX banks that day and it was declined each time. I went back to the store in an absolute rage, telling them I wanted the contract torn up. Clerk took nearly fifteen minutes fussing around, only to tell me that there was some " defect '' with the card, etc., etc., and that she would issue a new one. Total time to get my cash that day was 3 hours. ( When you go to a bank with a debit card for cash withdrawal at a teller window and the card is declined, you CAN NOT legally return to that same bank the same day to " try again. '' ) But the worst part of all -- and this is why these people should be shut down IMMEDIATELY, is that they have another new shtick : Knowing the FTC is on to them, they are soliciting customers to write brief, positive letters IN-STORE to send to the FTC! Well, based on my PAST experiences, I was glad to do so. But this was asked of me during paper processing, before it was revealed that everything about their business procedure had changed. A bit like a hotel asking you to write a positive review at the check-in desk based on your past visits, and then you go to your room and discover the place has turned into a dump. Too late -- they 've already got your " glowing '' letter. What a disgrace! 

Most despicable people I 've ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least a XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I wrote a check for {$270.00}, but WellsFargo gave the payee {$470.00}, taking {$200.00} extra from my account and additing {$35.00} fee. The extra {$200.00} was set a side by me for gas and food the rest of the week. WellsFargo said they ca n't do anything for 10 business days until they " investigate '', there 's nothing to investigate!!! The check clearly shows {$270.00}, WellsFargo said it was their mistake, but maybe the payee made the mistake of the extra {$200.00}??? How is my account protected, no numbers or letter were altered on the check.

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 monetary relief
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute with Experian after seeing a XXXX on my XXXX XXXX personal loan account, after calling XXXX XXXX they reported a XXXX late occurred between XXXX and XXXX but could not provide specifics. when I contacted Experian to have this derogatory item removed they stated it was reported accurately with no proof of action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a credit card with XXXX since I have always had an excellent credit score. Today I received a letter saying that my request ca n't be approved because : 1. " CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 2. SOME INFORMATION USED TO MAKE THIS DECISION WAS OBTAINED FROM THE CREDIT REPORTING AGENCY : EXPERIAN XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (CA).
Issue: Confusing or misleading advertising or marketing

Complaint: Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Late fee

Complaint: Chase credit card withheld information about the cut off time XXXX east time for payments on XXXX/XXXX/2015. Then at XXXX I called to pay it to avoid late to pay with chase checking the said even though I paid in past with that account I would have provide my account and routing number with I did n't have on me. I spoke to supervisor who said on a recorded line not to worry he will note on the account that he would refund any late fee was I paid it on the XXXX/XXXX/2015. However now chase still charged me a late fee. Even though I paid on the XXXX. In conclusion CHASE credit card automated machine didnot disclose that there was a cut off time on the XXXX due date. And they are scamming me and other customers out of XXXX of dollars. They need to be held accountable for ther scheme

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Application, originator, mortgage broker

Complaint: An addendum to my complaint submitted early in the week : After becoming thoroughly frustrated with Nationstar Mortgage ' s horrible refinance process and giving them the red light, the company 's underwriting team ( Greenlight ) decided to send me a denial letter! Really??? It took you four months to make this decision? Poor! So what happens to my current loan with this company? Maybe I will blessed and Nationstar Mortgage will sell my loan! I suppose this is what happens when you file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX, I received a letter from Diversified Consultants, Inc. informing me of a {$710.00} balance due with XXXX XXXX. I sent a letter on XXXX XXXX, XXXX requesting verification of the debt. I received a letter from Diversified Consultants , Inc., dated XXXX XXXX, XXXX with a statement dated XXXX/XXXX/XXXX showing a balance of {$710.00}. However, I also have a billing statement from XXXX/XXXX/XXXX showing a {$0.00} balance from XXXX XXXX, one month after the statement from XXXX/XXXX/XXXX. This was not sent to me by either XXXX XXXX or Diversified Consultants , Inc . I gained access to my online account through XXXX website, where I downloaded the bill. 

XXXX XXXX canceled the bill principal of {$710.00} on XXXX/XXXX/XXXX. If anything, the original creditor should issue me a copy of IRS Form XXXX. The IRS requires this form for each debtor a company has canceled a debt of {$600.00} or more. My canceled balance of {$710.00} meets this requirement. The {$0.00} balance, {$710.00} credit, and lack of payment due on the XXXX/XXXX/XXXX shows that XXXX XXXX has canceled this debt, and will likely receive tax benefits. 

In XXXX, XXXX similarly tried to collect on an amount that had been noted as an " internal charge-off '', and was denied, as this may have created a mandatory duty under IRS regulations to issue the defendant a XXXX Creditors who benefit from this tax practice may render it " inequitable '' to allow them to belatedly enforce the alleged debt after it received the benefit of a charge-off. ( See, e.g. XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX ( Dist Ct XXXX XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX ( Bankr Ct XXXX XXXX XXXX ) [ " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ] ; see also XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( App XXXX ) ( issuance of Form XXXX after debt was written off is " XXXX '' that debt had been discharged by creditor, sufficient to create an issue of fact ) ; XXXX. 

I have included a copy of the final statement that shows the {$0.00} balance from XXXX XXXX, which I had to obtain on my own and was not sent to me during the verification process. Also, I have included the statement sent to me by Diversified Consultants , Inc. for XXXX XXXX, and the letter from Diversified Consultants accompanying it.

Company response to consumer: Closed with explanation