milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been on XXXX military XXXX since XXXX XXXX and I have been paying back my student loan since XXXX XXXX. I clearly obtained the debt prior to enlisting in the XXXX. 

The Edfinancial representative claims my loan was consolidated in XXXX so I am not eligible for interest reduction relief. The date of my loan origin is now XXXX which makes it seems as if the debt occurred after I enlisted. 

My student loan debt clearly originated prior to my enlistment ; regardless of when the lender decided to consolidate. 

Who can be of assistance in regards to this issue. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I HAVE AN TAX LIEN THAT HAS BEEN PUT ON MY CREDIT ( XXXX/ EXPERAIN ) THATS NOT MINE ITS THE WRONG SPELLING OF NAME WRONG SS # ... ..ALSO A BANKRUPTCY THAT WAS DISMISSED IN 2008

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 12-02-2017 about Mortgage (Conventional home mortgage) with Eagle Home Mortgage, LLC (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: EAGLE MORTGAGE IS VIOLATING THE LAY BY PAYING COUNTY LINE PROPERTYS FOR MORTGAGE BUSINESS IN XXXX. THEY HAVE BEEN VIOLATING CFRPB RULES XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion and spoke with a agent and explained that I was not aware these inquiries and it looks like something suspicious is going on .She told me to contact these companies directly. That was n't very pleasant thing to say because when I tried to call these companies they do n't know how to handle my call and end result, I 'm on hold for several minutes and then they tell me to contact the reporting agency. 
I would appreciate if someone can please remove these unauthorized inquiries. 
Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX 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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX ,  XXXX , and Experian continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   EXPERIAN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 06/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had been having problems with making payments with my credit cards the past couple of months so I made a loan to pay off all of credit cards and cancel the cards. On XXXX XXXX, 2017 I called Victoria Secret 's ( Comenity Bank ) and spoke with a customer service rep and told them that I wanted to pay the account in full and close my account. He gave me a final balance of $ XXXX-I completed the transaction with the rep on that day. Two days later, I received an e-mail from VS stating that I owed {$45.00} for a finance charge. My payment was due on XXXX XXXX, 2017 and I paid XXXX XXXX, 2017. I e-mailed VS two times and finally called on XXXX XXXX to speak with a representative. He was rude and disrespectful. I repeatedly explained that I made it clear on XXXX XXXX I wanted to pay the account in full and close. Why did n't the rep give me the full amount as I requested? He could n't answer me, all he could say was that I missed my payment due date and was charged a finance fee for not paying on time. I was asking for the finance charge to be removed so that account would be zeroed out and they would not take care of it. I experienced the same issue with XXXX, also Comenity Bank, I paid that card in full on XXXX XXXX, 2017 also and two days later I received an e-mail stating I had an outstanding finance charge. I neglected to call Comenity because of my previous conversation. I was on the phone over 20 minutes with a customer service rep who was condescending, rude and disrespectful. I will share my story of unfair and illegal practices by this credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Settlement process and costs

Complaint: Mortgage company ( XXXX ) is not reporting our mortgage on any of our credit reports. This is due to a bankruptcy that happened in XX/XX/XXXX tha they say was not reaffirmed. We have refinanced with them twice since the bankruptcy but they still wo n't report our mortgage on our credit. This has made our credit score really bad,

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I placed an order for a medical supply, which was delivered after the required date. The merchandise was returned to and accepted by the shipper. I have provided all the documentation requested by Citigroup 's dispute department, include a letter from XXXX confirming return of the shipment. The Citicard credit card company is refusing to issue a credit for the amount of purchase.

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 09/13/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here are my disputes : XXXX XXXX XXXX XXXX # 1 the date " XXXX/XXXX/XXXX '' does NOT exist yet and I 'm sending you proof AGAIN # 2 the docket # XXXX is NOT correct # 3 XXXX is NOT a court and you need to have the city and state listed # 4 " A : '' is not a liability *You need to remove this account immediately and I 've already notified the Consumer Financial Protection Bureau as well as the XXXX in this illegal matter XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for Equifax states XXXX/XXXX/06, XXXX states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.

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 09/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: This continues original complaint XXXX. 
Chase indicated that the RMA and supporting documentation has " expired ''. How is that possible without completing the application process? All documentation requested was provided. No one has contacted me to follow-up. I am not sure what I have to do now. Re-start the entire process all over again??? This process is awful and clearly shows that Chase is unwilling to help their customers in need. I have been trying to get this resolved for over 4 years and can not believe that this is still going on. Not XXXX person from XXXX XXXX office has responsed. What does a person have to do to get some part of their life back??? Please help. I implore you ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: once again I am complaining about my mortgage company OCWEN they are the worst company on the face of the earth! 
I have said it before and I will keep saying " they are spread out too thin to be effective '' they have offices in XXXX and the when they send out information it always comes from their XXXX XXXX XXXX Florida office. their left hand does not know what their right hand is doing. I call their toll free number from my residence in the United States I should be connected to some one in the United States NOT XXXX!!!!!!!!!!!!!!! 
XXXX does not understand and they do not have up to date records payments go to a US address in XXXX XXXX Illinois as another office, they are spread too thin. They do not credit payments when they are received so they can charge a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

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 01-09-2018 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Select Portfolio Servicing has alleged that there is a contract between parities, within this complaint there is no contract. We have made multiple attemps to resolve this issue with the CFPB and other agencies and now have filed a lawsuit against XXXX, XXXX XXXX, Select Portfolio Servicing and all other banks involved. The CFPB stated that " We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to  identify questionable business practices that may lead to investigations and prosecutions ''. This is a great idea to bring about prosecutions using the RICO act, due to the continuous illegal tactics and communications to collect a debt that has been proven to be created by identity theft. SPS continues to re-send the same documents that have been proven to be forgeries. They also seemed to have created new documents, and alleged without varification to have a contract with the property owners, but when ask of the contract, they have not produced such contract and or have placed this situation to higher investigations. No affidavits, no witnesses, and no officer signs off on the the alleged documents wherein its just made up accounting and numbers, with no proof of a contract. They state that they are follwing the law, but make no mention of what laws they follow. It is assumed and believed that they SPS are a foriegn agency and are illegally attempting to collect fraudulent debts within the USA. Having an address or a location in the USA doesnt make you a company within the USA, they have simply just got or aquired a name and are attempting to sieze properties within the USA as outside agencies or fraudulent companies.

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 06/14/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Due to my divorce agreement, my ex-wife was court ordered to pay the mortgage and all carrying charges ( I have documents ) until the children were emancipated and the house was sold. She stopped paying the mortgage and I was never informed. They have been reporting this to the credit agencies and it 's affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX 2016 at XXXX I received a call from a XXXX. She introduced herself just that plainly. She was very casual and stated " Hey this is XXXX can you talk? '' To which I replied " yeah what 's up? '' Thinking I was talking to one of my friends named XXXX that was in need. This particular XXXX then confirmed that she represented National Credit Adjusters and proceeded with confirming my address. She spoke very quickly so I asked her to repeat who she represented. I then ended the call out of intimidation and did not wish to handle my account with a representative that works in a fecious manner as such. The next day the same XXXX called in a casual fashion this time failing to tell me who she represents and the purpose of the call. On this call, after telling me her name she immediately asked why I hung up on her the day prior. I was about to ask her if her conduct was legal but stopped myself and explained to her that I can not afford to make a payment at this time and would appreciate her to cease her calls. Which was a untrue statement but made under pressure. XXXX proceeded to chuckle laugh on the phone after that and apologized for trying to help in a sarcastic tone before hanging up. Neither phone call did XXXX properly introduce herself nor was I given a disclosure of the purpose of the call before proceeding that is standard. I do anticipate making a payment to avoid this collection going to the credit bureaus as I have done in the past. Because of such unprofesisonalism, I failed to have the opportunity to tell the agent that I have recently lost my job and am actively seeking full time employment. I take my credit very serious as a victim of child identity theft in the past and would appreciate a more mature handling of my debts/secure information than what was received from XXXX from National Credit Adjusters/XXXX ( Caller ID name ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Precise Financial Group, LLC (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This lady " XXXX '' from precise financial group called my employer while I was working asking for me & being extremely rude and disrespectful to the person answering the phone. I work in XXXX so they have to ask questions of who is calling due to confidentiality of patients. She then got a hold of me & was being threatening, rude, talking over me, after I said several times do not talk this way you are being unprofessional and not talking like a grown lady. I then said this is my XXXX time asking you to NOT CALL MY JOB, we went back & forth I told her to give me payment options and she was rude an said the amount she needed to collect, she also asked when can I make a payment I said XX/XX/XXXX & she said NO I CAN NOT WAIT THAT LONG YOU HAVE HAD LONG ENOUGH TO MAKE A PAYMENT I NEED A PAYMENT NOW I then said you don ; t know my finances and what I pay I ca n't make a payment today!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Credit card protection / Debt protection

Complaint: I updated my email through the Kohls website and they were not sending me my statements. It appears they have charged my account over XXXX dollars in late fees, and did not notify me they had not been receiving my payments on time. I had no way to determine they were not receiving them onetime since the statements did not come to me. and the payments are automatically withdrawn from my checking account each month. I asked if they would assist me and they said NO. I want some assistance in having these fees removed/reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Debt collection (Federal student loan) with Eastern Revenue, Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enrolled in college but did n't attend not even first day. Asked to be signed out as I could n't XXXX XXXX to get there or get a ride there and I was n't given the opportunity to have withdrawal papers mailed to me. They kept the money sent by my loan lender for books and things I never purchased and kept me enrolled and said it was the teachers decision to drop me. That 's not right. ( XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Last month, we filed a complaint with your office because Capio Partners reported three medical bills on my XXXX credit report. Prior to reporting the accounts, they did not supply me with a notice of my right to dispute. Based upon that, they apologized and agreed to remove the accounts from my XXXX credit report. To their credit, they lived up to their word, and the accounts have been deleted from my XXXX  credit report. As of today, Capio Partners are now reporting these same accounts to my XXXX XXXX credit report. Once again, I have not received a notice of my right to dispute, and I am demanding that these accounts be deleted from my XXXX XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Bank of America will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation