milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: At  XXXX  in the morning, Saturday,  XXXX   XXXX , I received a call that went straight to voicemail. I checked my voicemail and I get an automated message telling me that it 's regarding my Synchrony credit card account ( for  XXXX .  XXXX   ). I  did miss a payment but one payment does not mean that they should send me emails, which they did on Friday,  XXXX   XXXX , then call m e ( twice thus far ) to let me know that I need to make a payment. Synchrony bank is notorious for bombarding their customers with phone calls the moment they do n't receive a payment the day that it is due. If they will employee such tactics, then I have the right to report them just the same. Most credit companies give you a grace period if missed one payment after not missing any. I have not missed a payment with this company so they should n't jump the gun by pestering me with phone calls just because I forgot to set up a payment with them. It 's not necessary. It will get paid. They do n't need to bother me about it. On top of that, they raised the minimum due. This is how people get into debt. Again this company is notorious for making their customers pay the price for missing only one payment. They need to be investigat e.

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 01/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out a student loan XX/XX/1993 with plans to go to XXXX school. I was never able to attend. Since then I have been through XXXX chapter XXXX bankruptcies. My student Loan is through Navient. I am unable to pay. Beginning about 6 months ago, they began calling me several times a day. Since then I have told them verbally to cease and desist contact. I have sent two ( 2 ) separates letters ( each sent certified mail ) demanding they cease and desist. The calls stopped for a little while but have started up again. Now they are contacting family and friends. I know this is illegal. I want all contact to cease. I want them to know if they continue I will sue for violation of the Fair Debt collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with DISCOVER BANK (MD).
Issue: Closing/Cancelling account

Complaint: I want to file a complaint against Discover card. My account with them was paid in full when they closed my account right after I paid the balance to XXXX in XXXX. Discover is now reporting on my credit that, the debt was discharged as part of a bankruptcy. 
I have taken the steps to dispute information being reported by Discover Card on my credit report with XXXX and the case has been resolved unfavorable to me, despite having shown proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card debt was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. Discover XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which has/continues to adversely affect me. It should be reporting as a paid closed account with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require Discover to provide proof of my last payment to them and last statement. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy plan. 
I have also attached they last statement i have showing my balance at XXXX before they closed they account, prior to the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: This bank is actively charging people for overdrafts when the account balance was never negative. The branch manager hides in her office and refuses to speak with customers. The branch manager also routinely refuses to provide contact information to others in the company to register a complaint. US Bank is proving to be a dishonest and corrupt organization. The personal banker went so far as to make the statement that it is not a crime for the bank to clear items in an order that would generate overdraft fees.

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 08/28/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a new complaint related to my original XXXX on XXXX/XXXX/15 - Case number : XXXX. Per the attached letter dated XXXX/XXXX/15, SLS claimed that they submitted a manual update to the credit bureau reporting agencies. My mortgage is still not showing on my credit reports ( specifically XXXX and XXXX ). I understand that it can XXXX days for the credit bureaus to update my credit report. It has now been almost XXXX days since they claimed they first reported it, and nearly XXXX months since my mortgage began with them. This is unethical and unacceptable, and is causing me unnecessary XXXX. I have talked to numerous professionals in the mortgage industry who said they have never heard of such actions, and that this borders on being both illegal and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to pay off our mortgage to NationStar and now that we FINALLY have a pay off ( thanks to you guys ) they are telling us that since they purchased our loan ( over a year ago ) they have not been collecting enough to satisfy our impound account. How could that be when we have n't had a severe increase in homeowners insurance, tax bills to pay, etc. They are saying that they have been under funded and have made a large payment on our behalf to the county because of this and that we now owe them the amount of the shortage. With all of the mortgage companies that have owned our loan over the years we have never been severely over or under funded to where we ca n't make our impound accounts but our mortgage has varied by $ XXXX- {$15.00} over the life of the loan as a correction to ensure that we do n't have a shortage. How could we want to pay off our loan and all of a sudden be over {$2000.00} short. 

Payment is due on XX/XX/XXXX and we do n't know whether to pay the {$180.00} left on the principal or to make a regular payment and wait to be refunded. It feels as though they want to hold our monies and will have to fight to get it back so that they can collect interest. If they do this to enough consumers they are making money on " holding our cash '' until we prove we do n't owe it. 

On top of that, we 've been trying to fix this since XXXX XXXX and thought the house was ours. Due to them dragging their feet and not replying to our numerous inquiries over the past month, we are now into another month not " owning '' our home, and another month of being charged interest which again is a ploy and way for them to make money where they should not be making money. 

And again, no one to talk to in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Collections, Inc. (SD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with AFNI INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sen t all  XXXX  cre dit bureaus to validate accounts over the last month and no action taken. Contacted the company in writing in  XXXX     2017  no action taken. They just sent a bill with my name on it. Never had an account with this company at all.

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 reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a message that I was potentially affected by the recent credit breach. I checked X/X/17 through their website to receive that message. I did not sign up for their monitoring, which required me to waive rights to legal action against them, which was unacceptable in my opinion. It was also unacceptable that this breach happened weeks ago, and I 'm only finding out now. I have filed a fraud alert through them, and have checked my credit report through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I cosigned my son 's student loan. He is XXXX and can not pay the loan. The loan amount was XXXX. I 've been paying the loan monthly to AES. When he defaulted on the loan, I was notified and immediately began to make monthly payments. I never missed a payment. I became XXXX this past year, and I heard about Obama 's ruling on releasing loan repayment obligations when a loan has been repayed monthly without any lapses or deferment. I contacted AES to get the loan discharged, but they claimed that this loan was deferred for one month before I even knew it was in default. I did n't authorize any deferment ever, and I 've been paying the loan for more than 48 months without any lapses. They claimed that I am responsible for my son 's initial request to defer the loan for a month without ever informing me about this decision. My son has a psychiatric XXXX which limits his rational decision making ability. Now, we are both XXXX. AES claims that I 'm basically stuck with repaying the loan. The percentage rate is very high at 9.493 % which is above the original rate I was given. This company refused to provide me with the bank information associated with this loan which was initially XXXX Bank. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I originally had a home mortgage loan with XXXX XXXX XXXX but they transferred the account over to US Bank back on XXXX XXXX, 2016. I have always paid my mortgage 1 month in advance therefore I sent my payment to XXXX XXXX XXXX before I received correspondence that the loan had been transferred. XXXX XXXX XXXX had sent my payment history over to US Bank at the end of XXXX clearly documenting that my payment was received by them and applied to the account in XXXX for the XXXX payment. US Bank has requested and received every document, bank statement and cancelled check regarding this account. US Bank has been very difficult and lack luster in providing good customer service to get this matter resolved. I can never speak to a manager, dates to resolve this case have been given to me since XXXX XXXX, 2016 my first point of contact date with this banking institution. Nothing is getting resolved no matter how many times I call, just more false promises and being tossed around by reps. I get regular phone calls several times a week that are harassing and letters that reflect incorrect information about this account. I do not owe any additional payments because I have never been late. US Bank has not been able to submit the proper recording of information into my file which would make it current. This is the worse experience I have ever had with a bank let alone as a first time homeowner. They have been nothing but difficult, unprofessional, poor communicators and horrible with their customer service skills and problem solving abilities. They have also used me to participate in their backroom banking operations process between banks that I know nothing about or should be involved in at any time. This matter should be resolved between banks not the consumer. US Bank needs to record the XXXX payment that XXXX XXXX XXXX issued them and make the account current.I ca n't understand the confusion if all the documentation is present for US Bank to record.

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 06/28/2016 about Bank account or service (Other bank product/service) with Comerica (OK).
Issue: Using a debit or ATM card

Complaint: direct express wo n't send me a replacement card for my expired card. My calls to them have resulted in no human voice contact, no automated venue to fix this problem. When I have almost got to a real person, they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Medical) with Credit & Collection Recovery Services, Inc. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A debt collection company Known as Credit & Collection Recovery Services, INC. also known as XXXX called me and was very rude and harassed me. They said I have two accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: I am serving on XXXX in the XXXX XXXX XXXX. My family and I have received orders to report to XXXX in XX/XX/XXXX, our exact date of departure is undetermined. 

We are permitted to take a vehicle with us to XXXX. The company which ships the vehicles requires either a clear title, or a letter of approval from a vehicle lien older. Sometime in XX/XX/XXXX I contacted Ally Bank and requested a letter of authorization to ship my vehicle to XXXX. I was told they would not be providing me such a letter. 

I purchased my vehicle back in XX/XX/XXXX. The total cost of my vehicle was over {$17000.00}. My vehicle is currently worth {$6000.00} and I currently owe approximately {$7000.00}. I do not have the funds available to immediately pay off the remaining balance. I have contacted other banks asking about refinancing the vehicle and was told they wo n't do it because the value of the car is less than the amount still owed. I am current on all payments on my car loan. Although I was late making XXXX payments over the past four years, those payments were made very shortly after their due date. 

Having a vehicle in XXXX would help my wife and children tremendously. If I am not allowed to ship my vehicle, I have no idea how or where I would store the vehicle for the three years we will be stationed in XXXX. 

I do not have a copy of my financing agreement with Ally readily available, as nearly all of my personal belongings are packed up and ready to ship XXXX. Even if such a clause exists in their financing agreement prohibiting transporting vehicles outside the country, I believe such a clause would be unconscionable for military service members. I do n't know if it is Ally 's policy to not provide any service member with this type of authorization letter, or if I am being singled out for some reason. Regardless, I would have never financed with Ally had I known they would deny me the ability to take my vehicle with me to an XXXX duty station. I am requesting any assistance available in obtaining an authorization letter to ship my vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have four Fed Tax Liens listed on my TransUnion credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with TransUnion and was reported the information was accurate. I do not know how they see this as accurate without the required information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Experian is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a Ar. Child Support ENF on my credit report that i would like to dispute, because i do not or have not ever had to pay child support in my life time. They contact number on my report is XXXX can you please help me get this information off my record please.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We filed bankruptcy in XX/XX/XXXX. We continued to pay our mortgage to Wells Fargo. Prior to our filing bankruptcy Well Fargo reported to the credit bureaus properly about our payment status. After the bankruptcy was filed Wells Fargo stooped reporting that we making our mortgage payment and instead sent us a letter every month saying they received our mortgage payment. 

We ask Wells Fargo why this was happening and they told us it was because we did not reaffirm our mortgage. We contacted the credit bureaus and were told that this was between Wells Fargo and us, not their problem. 

We contacted our bankruptcy lawyer and were told that the state of North Carolina does not allow reaffirmation of a mortgage. We conveyed this information to Wells Fargo. 

In XX/XX/XXXX we approached Wells Fargo about a loan modification and after 18 months of haggling and run around we received a loan modification. Even after the loan modification Wells Fargo still would not report to the credit bureaus that we were making our payments on time, they kept sending us a monthly statement saying they received the payment. 

In XXXX plus years of home ownership we never missed a mortgage payment until we asked for a loan modification and were told by Wells Fargo because we were making our payments that they would not grant us a modification. We were told by Wells Fargo during a phone call that we would have to miss payments before they would talk to us about a modification. Wells Fargo denies we were ever told this by one of their employees, both my wife and I are willing to take a polygraph to back up our claim and or testify to this in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Title loan) with TMX Finance LLC (TX).
Issue: Lender repossessed or sold the vehicle

Complaint: I was given a {$5000.00} title loan from TitleMax in Texas on a vehicle worth {$17000.00}. I recently became XXXX and could n't make the payments, called TitleMax and informed them of the illness, and they told me they would not repossess the car. I woke up this morning and my car was gone. Upon filing a police report, I was told the car was repo 'd. XXXX was the company that repo 'd the vehicle from a gated, secure parking lot last night, XX/XX/2017, which they had no permission to enter from the leasing office.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/2015 I was notified by Net Spend Prepaid ( issued by XXXX ) that my card had been compromised. I emailed a list of all fraudulent transactions. The fraudulent pending transactions have been posted to my account after Net Spend knew these transactions were unauthorized. I has been two weeks since I filed the claim and today XXXX/XXXX/15 Net Spend allowed XXXX of the fraudulent transactions to be posted to my account and I have yet to receive any credit for these unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation