milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have sent IRS Not ice of Withdrawal of Federal Tax lien to  Equifax,  XXXX  and  XXXX  to delete the entry from our records, and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After receiving my XXXX XXXX I took about a year off and had Navient defer my payments. When the deference ended they automatically reported it to my credit bureaus drooping my score significantly. When I called them, they had me print off all of my credit reports, fill out paperwork and mail, not fax, it to them. I did all of this in the XX/XX/2016 and it still never got fixed. My credit bureau said they ca n't do anything unless Navient agrees that it was a mistake, which they never have. I 'm now being forced to try and raise my credit score back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX Bank. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX Bank is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX

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 07/14/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint they responded to you but seems they are still charging me a {$60.00} fee over my normal payment. they cashed two payments that I subtracted the {$60.00} from but did not apply and charged a late fee. 

I am unemployed, have no phone and am out looking for work. Of course I did not answer my door but that does not give a takeover lender the right to charge me. Send me a letter. they do not have the right to assume everyone has a phone or a computer, I do not I am writing from a friends home and that is not always the case. 

I show my payment as {$1900.00} so how many {$60.00} charges are they adding. That is what needs fixing. I mailed XX/XX/XXXX payment on XX/XX/XXXX and they still have not applied payment yet I put the contentious {$60.00} in the payment so why is it not applied yet for XX/XX/XXXX. 

These folks are overcharging me late fees when they have the proper payment per my records as the {$60.00} was added and not removed in XX/XX/XXXX seems they are feeding you a story as I have paid {$1900.00} for months and then they added the $ XXXX.to this payment I am looking at my XX/XX/XXXX statement and they have the XX/XX/XXXX payment of XXXX in suspense with an added late charge of XXXX How, the payment went up when they supposedly added this door knock charge? send a letter if you want a response that is what real businesses do. I am so disgusted and I want help. 
If the payment is XXXX then they need to explain it better and I will send the difference but they can not keep my money AND charge me late fees I am not a bank. They need to be a bit more transparent on their charges and they are vague. How does a payment go up without a breakdown. The current breakdown shows a XXXX payment then the statement comes as XXXX what am I supposed to think. I refuse to pay late fees do to their non transparency. If my payment is XXXX fine, I want a breakdown. Since my Taxes are under {$6600.00} annually why are they collecting in escrow {$7100.00}? where is the transparency. 

Have them send me a letter if they have questions, it is not ILLEGAL in California to not have a phone. very sad. Please have them send a bill showing the money I owe for which I believe is {$120.00} but will refuse a late charge as I was on time and wrote on every statement for an explanation and received nothing but more nonsense that they sent you. I also do not believe it is legal to charge more than what the taxes actually are in an impound account but yet they are If they paid {$4400.00} for my taxes as the bill is {$3200.00} twice yearly. Have that explained also.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: My case number is XXXX. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my XXXX credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. 

XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX We will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX, I discovered an account that had been " added '' on my credit report with no notification. It was an auto loan with XXXX from XX/XX/XXXX. The " date reported '' was listed as " XX/XX/XXXX ''. On XX/XX/XXXX, I faxed numerous documents to Equifax showing that it had never been on my report and was not mine. They have repeatedly mixed my data with other people with the same name as mine and taken months to correct it after I 've informed them of it. 

On XX/XX/XXXX, I filed a dispute since they would not remove it via phone or fax. I called Chase Auto Finance to confirm that the account was belonging to someone else with the same name as me, but an address I never lived at, and different social security number and date of birth. 

Today on XX/XX/XXXX, it shows it has been updated. They moved the " date reported '' to XX/XX/XXXX, the day I faxed them proof showing that it did n't exist prior to then, and moved it from Open Accounts to Closed and charged off. I called XXXX again and they confirmed that I do not have any accounts with them. 

Clearly Equifax did not actually verify the ownership of this account under the requirements of FCRA and on top of that, they altered the history to hide that it was mixed in with mine through their data-linking software by changing the date it was reported to the file. 

I attached reports from XX/XX/XXXX - no account present ; XX/XX/XXXX - account present with XX/XX/XXXX insertion date and a screen shot of the updated account showing that the insertion date was changed to XX/XX/XXXX. I have a record of numerous reports that I can provide as well. I provided multiple Equifax reports to Equifax to show that the information was erroneously linked to my report ( along with two other accounts they removed that shared the SAME address and SSN as this account ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help

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 06-01-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (OK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Payday loan () with BlueChip Financial (IN).
Issue: Can't contact lender

Complaint: I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Obtained Transunion Credit Report. Noted incorrect address, phone numbers that were no longer in use by me, and incorrect birth date. Also questioned XXXX bank credit card I dd n't recognize. XXXX XXXX called me and told me name of card they had issued so I assume call was initiated by Transunion. The information was correct. Incorrect address and phone numbers were removed from report BUT they still have my incorrect date of birth. I sent them by certified mail a copy of my birth certificate and my driver 's license and they still have inorrect birth year of XXXX. My birthdate is XXXX XXXX, XXXX. 
Please have them correct my birth date on their report. 
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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: American Express is exploiting flaws in the CFPB Process. 

The complaints are supposed to be reviewed in 15-60 days. American Express insetad responds immediately that " they are investigating '' and closing the complaint without providing their final response. 

Because CFPB automatically closes out the complaint once the company responds, it allows complaints to be closed with no substantive response from the business. 

In one case American Express closed a complaint 2 days after being filed with this tactic. They never responded with the outcome of their investigation. Given that CFPB gives 60 days for a company to respond, their is no reason to respond within 2 days that they are investigating other than to show they are timely responding and forcing the customer to give feedback before the investigation is complete. 

This leads to the second part of American Express exploiting flaws in the CFPB Process. 

CFPB reports that another complaint can be given on this issue of closing out the complaint without providing an actual response. American Express responds to that complaint as a duplicate and allows it to be closed without actually responding. 

This duplicate status marked by the company, does not even give the customer the ability to provide feedback to the duplicate status. 

So a company can never respond, and allow no further complaints to CFPB with this strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have loans from my XXXX school studies at the University of XXXX from XXXX. These loans at the time totaled $ XXXX. Since then I have made arrangements which I was led to believe by Navient would be the best way to deal with repayment. In light of some recent research and discovery, they acted in an unethical and predatory manner by allowing my loans to continue to increase to $ XXXX with capitalized interest and high interest rates that are unfair and unrealistic. I would have made different arrangements in the days after graduating or went in a different direction had I understood how much my debt was increasing every year. I have repeatedly called for assistance and have only received forebearance or smaller payments terms that did not allow me to pay down my debt but rather allowed more and more interest and penalties to be added and now it is a completely unrealistic amount I can never repay especially not in a 10 year term and have enough money to pay for anything else. I am barely making it now as it is with taxes on a full commission check, healthcare costs, childcare, etc. Apparently I am not alone in this view as many others have the same issues. There is also a lawsuit with the same charges against Navient. I am formally filing this complaint to add my name to the list of those that have been treated unethically and unfairly by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mother passed away XX/XX/2014. I contacted the mortgage company about the situation. They told me i needed to send them the letters of authority. i did, called them back and they said they did not receive them. so i sent them again, called them, said they did not receive them. called them again and finally got some one to help me. they told me what i needed to send over to them and what email i needed to send it to. i did. never received a response. called them multiple times. would not talk with me. I called the estate attorney and he sent them the letter of authority four times. with a documentation of the fax going through and they received it. He also called them and they told him they did not receive it.I have tried to call them for almost three years now and still get no corporation. Now they are trying to foreclose on the house. The mortgage company is SPS select portfolio. This has been very frustrating to deal with besides the lost of my mother. I am also on the deed of the house. But not the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint relates to case number XXXX. The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an XXXX office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is XXXX, XXXX After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
On XXXX I received another bill from XXXX, so I called them to explain that I had already paid the bill. They demanded proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by XXXX. 
Today, I received a bill from Stellar Recovery , Inc. for the same debt, dated XXXX XXXX, XXXX. XXXX is continuing collection efforts of a debt that has been paid for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Settlement process and costs

Complaint: WELLS FARGO PROPERTY LOSS DEPARTMENT IS ILLEGALLY HOLDING FUNDS THAT DO NOT HAVE ANYTHING TO DO WITH PAYING MY CONTACTOR. THEY LOST THE CHECK FUNDS SENT bY MY INSURANCE COMPANY FOR {$2700.00} XX/XX/XXXX. MY AGREEMENT WITH THE CONTRACTOR IS THE INSURANCE COMPANY PAY THE {$2700.00} AND I PAY THEM THE REMAINDER ( {$1900.00} ) OUT OF POCKET. WELLS FARGO PROPERTY LOSS RECEIVED MY RECOVERABLE DEPRRECIATION CHECK FOR {$5200.00} THAT WAS SENT TO ME. NO CONTACTOR IS OWED FROM THIS AMOUNT. INSTEAD OF CORRECTING THEIR BLUNDER AND HAVING THE INS.CO. REISSUE THE {$2700.00} CHECK THEY ARE TRYING TO ISSUE THE RECOVERABLE DEPREC. CHECK TO ME AND MY CONTRACTOR. THIS IS ILLEGAL. THEY ARE TRYING TO CHANGE/USE FUNDS THAT HAVE NOTHING TO DO WITH THE CONTACTOR AS THOUGH ITS ALL THE SAME. THE CONTRACTOR TOTAL BILL IS FOR $ XXXX-XXXX ins co = XXXX that i owe out of pocket and agreement between me and the contractor at installation.this action is fraudulent illegal. wells fargo once again has over stepped their authority making rules robbing consumers they don give a XXXX about. they have place money in a restricted account that was not intended for that purpose. the insurance ADJUSTER and wells fargo employees ME told the recoverable depreciation was something i had to get form the ins co. by sending a certificate of completion that was done. they told me the mortgage com. didnt have anything to do with the rec/depri. but now they are trying to steal these funds from me. They have refused to let me speak with management in this department stating no one handles my claim its randomly processed with no one person. so everytime i call its always something different an all lies i 'm tired of being victimized

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 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Herbert P. Sears Co., Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother. 

The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. 

Now, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill. 

I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.

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