milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Asked that a duplicate title release letter be mailed to me on XX/X/2017. 

Bank will only email me an " account status '' letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a default judgment on my Equifax credit report that was vacated by the NY Supreme Court in 2013. Equifax refuses to even let me open a dispute. XXXX removed it from my credit without any issue. It is seriously hurting my ability to get an apartment lease or a job. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Payday loan debt) with BTH Management (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested in writing, via USPS, that Plaza Services provide validated proof of a purported debt. I have yet to receive any proof that the debt that are trying to collect and reporting on my credit reports, does in fact belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple credit inquiries on my credit report that I did not authorize and it looks as if the same company ran my credit and then would wait a few months and run it again, But since XXXX of XXXX I have had XXXX new inquiries that I did not authorize and I got an email about the XXXX breach and I followed the link to see if my info had been XXXX of the ones affected and it was. I have since put a fraud alert on my credit but when contacting the collection agencies which I have several times they are no help and they just tell me that I have to wait 2 years for them to fall off. I have XXXX from XXXX XXXX being XXXX XXXX XXXX for XXXX XXXX. XXXX from XXXX XXXX XXXX and XXXX for XXXX XXXX, and XXXX from 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 03/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX 2 times XXXX XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect 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 05/26/2015 about Consumer Loan (Vehicle loan) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I have advised Midland Credit Management twice ( orally ) to stop calling my job phone on XXXX they called my job phone alone XXXX times. I 'm can not to take personal phone calls at work and this can cause up to termination

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RFNA, LP (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/2015 I received a phone call from XXXX regarding my monthly payment due to Republic Finance.  I explained to her that I would be in on the XXXX which I always pay at the end of the month.  She called me on XX/XX/2015 again which is a violation of my consumer rights due to the fact that we had discussed the arrangement on the XXXX.  With that being said, her call on the XXXX is considered harassment being that she should not have contacted me again for XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I learned that Equifax mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the local newspaper. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I XXXX am filing this complaint because, Experian has ignored my request to provided me with the proper documents that their company has on file that was used to verify the account on Public Record I disputed.Being that they have gone past the 30 day time period and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!

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 (Other debt) with Navient Solutions, LLC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had enrolled at XXXX XXXX College for  the fall semester of XXXX, taking 1 class. Less than 1 week into the class I received notice from my employer that my position would be terminated. With that in mind, I dropped the class I was enrolled in. I dropped the class on XXXX XXXX, XXXX - the deadline for dropping a class and receiving a full reimbursement ( or a {$0.00} bill if tuition had not yet been paid ) was XXXX XXXX, XXXX. I was very careful to check these dates. Around 6 months later, despite having received no correspondence from XXXX XXXX College regarding an outstanding or past due balance - I find that they have turned the matter over to a debt collector for {$450.00} - despite there being no debt or charges of any kind. Contacting the school got me nowhere, they could confirm the dates I enrolled and dropped the class, but could not confirm the deadline to drop a class with no financial obligation coming back to the student. The information was *still* present on their own XXXX website. I have disputed the debt with the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX and each time their response has only been to state " Meets FCRA Requirements ''. 

XXXX XXXX College has verified what dates I enrolled in this class, and what date I dropped the class. They say they can not verify what the deadline was to drop classes in that semester with no financial repurcussions. If they can not verify that date, how can they verify the debt is valid?!

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
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: Im asking for the company to remove the late payments. No one contacted me letting me know that I had to put the loans in deferment had I known I would have kept up with it now

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an inquiry from "  XXXX  ''. I have not done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX repeatedly fails to give me my credit report, without saying why, with a non-specific error : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX "

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I ca n't get a free report. I first have to pay XXXX for a credit watch. No where does trans union have a link to go to free 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 non-monetary relief
Consumer complaint received 01-07-2018 about Debt collection (Other debt) with Penn Credit Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Agency called about a debt that was discharged over a year ago in a chapter XXXX bankruptcy. My attorney was also contacted previously regarding collection efforts with this debt when another agency tried to do the same thing. This debt is no longer owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with EZCORP, INC. (CO).
Issue: Can't contact lender or servicer

Complaint: on  XXXX  I RECEIVED A CALL FROM  XXXX  AT  XXXX   XXXX . A MESSAGE WAS LEFT STATING THAT I NEEDED TO CALL BACK TO RESOLVE A MATTER OR ELSE MY CASE WOULD BE FORWARDED FOR PROSECUTION AND I WOULD BE ARRESTED. I RETURNED THE CALL AT  XXXX    XXXX   AND SPOKE WITH  XXXX . SHE SAID THEY WERE A PRIVATE AGENCY WORKING FOR A LAW FIRM, ANSWERED THE PHONE AT OFFICE OF INVESTIGATIONS. SHE REFUSED TO PROVIDE THE NAME OF THEIR AGENCY OR THEIR ADDRESS. SHE SAID IF I DID N'T PAY A {$700.00} DEBT TODAY THAT THEY WERE FORWARDING MY CASE FOR PROSECUTION AND I WOULD BE ARRESTED AND BASED ON COLORADO LAW I WOULD BE SERVING  3 t o 5 YEARS IN JAIL PLUS A {$5000.00} FINE. I CALLED BACK MULTIPLE TIMES TO GET A STATEMENT SENT TO ME AND TO GET THE NAME AND ADDRESS OF THEIR COMPANY. I WAS HUNG UP ON, FORWARDED TO A GENERIC OUTGOING VOICE MAIL, OR PUT ON HOLD FOR OVE R 20 MIN UTES UNTIL I HUNG UP AND CALLED BACK. WHEN I ASKED FOR THE ADDRESS I WAS TOLD " NO '' AND TO HAVE A GOOD REST OF MY LIFE. '' THEY HAVE CALLED SEVERAL MEMBERS OF MY FAMILY ALSO TELLING THEM THAT I WILL BE ARRESTED FOR BANK FRAUD IF I DO N'T PAY THE DEBT IMMEDIATELY.

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 02/23/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: wells fargo has not reported correct information. My credit scores still read that I have not made a single payment since 2008. Wells fargo has been contacted in the past by XXXX XXXX about the payments. She is the other member of the JOINT ACCOUNT. SHE HAS ALREADY SUPPLIED ALL THE PAYMENTS FOR THE PAST 5 YEARS. Wells Fargo has yet to update my information. I have recived a useless phone call from a useless person who refused to go over information and was more worried about verifying information. It is now at the point where the mortgage has been transfer to bay view loans with incorrect 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 08-03-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I believe I was discriminated against while applying for a loan through Chase bank and they either lost or destroyed the loan documents in the process. Chase has elected to end my " Private Client '' relationship closing accounts that have been in my family for three generations. 

Chase 's decision to close multiple checking, savings, money market accounts, investment accounts, a Roth IRA, a Traditional IRA and any account with my name on it, including my adult children 's accounts, resulted in placing a " restriction '' barring access to all the funds, XXXX XXXX, 2016, without notice to me. 

As of today, XXXX XXXX, 2016, 42 days after the accounts have been closed, I still do n't have the money that was in them. 

I desperately seek your help and guidance, as I am highly concerned that without advocacy I may not receive the money in my accounts and the contents of a safe deposit box that was also closed. ( Their purported reason for drilling the lock and removing the box from the premises is based on the fallacious claim that I owed money. This was untrue, as it had in fact, been comped for years. ) Inexplicably and unbeknownst to me, they had already drilled the box months before they terminated the relationship. 

Chase made a decision, which I did not think they could make without my " voluntary '' consent, to also close all investment accounts. This is suspicious because for many months I 've made numerous requests to correct errors they made when establishing the accounts and alerted them of incomplete transfers of securities into those accounts, which were intentionally ignored. 

I have contacted the Chase Executive Office asking for their record of documents and I have not received anything related to the closing of the accounts and the closing of the safe deposit box. They only say, " Chase has the right to end the relationship without cause or reason. '' Further, I have not received any of the funds from the closed accounts or been given access to the contents of the safe deposit box. 

It is shocking to me that institutionally a bank has the power to do such damage to individuals and can insulate themselves from recourse because as I have been told, until I " lawyer up '', they are n't going to pay attention to me. 

A retired bankruptcy attorney and friend told me about this agency created by XXXX XXXX and the incredible work that has been done. Upon hearing my story over the weekend, he suggested contacting you. 

Thank you very much for your attention to this and please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank Of America failed to give us complete instructions on how to fill out the original loan modification paperwork. We not only had to re-sign all the paperwork all over again, but today will mark the XXXX time we have received a modification packet, indicating " there was an error in the format of the documents that were used and they were unable to be recorded at the county recorder 's office '' If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. 
I contacted the county recorder 's office and the lady I spoke with indicated they receive many complaints from consumers for the same problem with Bank of America. She informed me that Bank Of America blames their office for not receiving the paper work or denying paper work for not being completed. 
Our medication has been approved, but the paper work has not been completed correctly by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was only allowed to select XXXX option but there are actually XXXX. Account terms, account status and validation that the account is even mine. My issue is with XXXX XXXX XXXX who reported inaccurate and different information to XXXX, XXXX and Experian. I have filed a direct dispute with XXXX XXXX XXXX to stop reporting this inaccurate information that is severely damaging my credit report. As this complaint is going to Experian, they have me " also known as '' someone else.

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 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I contacted XXXX many times to remove this false information from my credit report. XXXX XXXX XXXX XXXX XXXX gave this company my credit information. My husband took my XXXX daughter to this hospital for treatment. My information was in their system, as I have been a prior patient. Somehow this collection agency reported this bill to my credit, when my husband was the primary holder on his health insurance, and this was not reported on my husband 's credit, when he was the parent that signed for my daughter at the hospital. I did not authorize XXXX to release my credit to a third party agency.

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 01-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Balance transfer

Complaint: I was offered a 0 % introductory balance transfer by American Express on their " Blue Cash Everyday '' The offer was to expire XXXX XXXX 2016. Speaking with a representative on this day, XXXX/XXXX/2016, I was informed the offer is still available and I would be able to do a balance transfer from my XXXX card to the new Amex card in the amount of {$7800.00}. Today, XXXX XXXX, 2016, I received a letter from Amex ( dated XX/XX/2016 ) stating the offer was declined because the limit to transfer may not exceed {$7500.00}. When I called Amex today XXXX XXXX 2016, I questioned " their '' error hoping to discuss with a higher authority. However, I kept getting transferred to noone of authority after multiple request to speak with Management that can discuss and solve the issue at hand. I also requested a number other than a XXXX number I could call. No such luck. Between XXXX and XXXX XXXX XXXX, 2016 my paitience had run out. Clearly my call was not going to get transferred to the correct level of Management to resolve the issue. After being transferred 5 times, my last words to an Amex rep were " I do not need you to put me on hold, I have been transferred 5 times and again not to a person that can help me. Please give me the contact name and phone number of a person in Management that can hand ; e this situation and do not put me on hold '' ... .you guest it, I was placed on hold! 

My aim is to have them accept the mistake by their employee of quoting the price of {$7800.00} and have them honor the original balance transfer offer that I was presented with even if it is to be the {$7500.00} limit that they are claiming. But my point is " their '' employee has made the mistake, not the consumer! 

Thank you for your time and patience in reading my complaint and for your dedication to public service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got an email with a credit report alert. I logged in to XXXX XXXX and it showed a collection had been turned in saying I owed. It lowered my score and upset me badly! I knew I pd this so I looked at my credit card summary to be certain, and it had pd it. It was in XXXX. I called central XXXX and left a message. They called me and appologized saying they did n't know how that got sent out! I told her I 've always had excellent credit and was very upset. She assured me she would contact the agency and get it taken care of. It 's still on my report after 3 weeks. I am in the process of purchasing a new vehicle and this error is affecting my interest rate! Due to XXXX I am going through a lot of emotional and physical issues and I do not need this added to this. My credit standing is very important to me. Please help me get this fixed so my score goes back up into the XXXX! Thank you and have a blesse da! XXXX XXXX

Company response to consumer: Closed with explanation