milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I was a VICTIM of their " inquiry issue ''. back in XXXX my inquires were all deleted off my report, I called that day and transunion verified its right and okay, a few weeks later these inquiries appeared right back on my report, no notice from transunion, nothing i called again and i was speaking with a rude CS and told me they will remain on too bad now this is n't fair, they were removed and should stay off i have proof of it, removed was XXXX XXXX, XXXX XXXX, XXXX again, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( which did n't come back ) all the others came back and has hurt my score for mortgage, after transunion removed them, then did n't notify me of placing them back on i wouild like my already removed injuries back off, as in XXXX they assured me they would stay off

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I used my Amex card to reserve and pay for an XXXX rental car. The card provides insurance for rental car use as a benefit and regularly touts such coverage. The car was damaged and I provided all necessary info to the company so that they process the repair through Amex. During this process, Amex 's claim agent kept " denying '' coverage due to repeated inaccurate information : 1 ) I have another car ( it was a previous lease that was returned two years previously ) ( 2 ) I do n't have insurance ( My lease vehicle is a XXXX lease and the insurance is covered by the company as part of the lease ( 3 ) I have to pay my primary deductible ( I repeatedly informed them that there is no deductible in my company car coverage ). I provided repeated documents supporting all the above from ( a ) prior lease company car return ( b ) Insurance detail for the current company car lease ( c ) documentation from the corporate company car department. While all this is going on, I repeatedly request status information on the claim since XXXX is now contacting me directly for payment. I receive nothing. I write both XXXX and Amex re : all this early in the process ... nothing from Amex. I finally call both the Amex Insurance company who wants to return me to the agent that has been the problem from the beginning. I demand a supervisor, who never returns the call. I call Amex corporate and go through the same story. They say they do n't handle it, but their records show the account has been cleared. I finally try writing the General Counsel of AmexXXXX seeking assistance and no reply. This has been going on a year! XXXX will not rent to me any longer and I 'm concerned about the impact on my credit. 
Amex touts this " benefit '' for it 's users as an incentive to use their card and refuse rental car company coverage. This process of " bait and switch '' or outright fraud must be happening to XXXX other card members/users. I want someone at a level of management to be able to act independently to review this file, talk to me if necessary, and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I only had XXXX medical bill that was sent to collections because I thought the insurance company paid it. I called the collection agency and paid the balance in full. They sent the info to XXXX and Equifax both that it was paid off, {$0.00} balance and account closed. XXXX is showing that it is paid off and closed, but Equifax refuses to show that. The collection agency changed names at one point. It was reported to XXXX under XXXX name and to Equifax under their previous name, but it clearly shows the same account number, amount, date, everything. Im trying to improve my credit and get my score above XXXX, and with equifax I am almost there. In the high XXXX 's with that collection account still showing.If they would fix it my score should come up. Also XXXX does not show my mortgage that Ive been paying for over 18 years, but Equifax does. My score with XXXX is always lower because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX  , more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated   XXXX   XXXX   XXXX  , the account first became delinquent on   XXXX   XXXX   XXXX  , although  one  credit file has the first delinquent date as   XXXX   XXXX  . Another credit file has the date of first delinquency as   XXXX   of  XXXX . I have attached copies of the credit bureau files for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I continue to receive email notification that a new loan has been financed by this company. When I replied via email to this company and asked when this loan was financed and that they provide me with the documents because I am a victim of identity theft, they bounced my email off at their customer service counter and will not reply. 
I am calling this company today to see if they need a voice to connect to the complaint and maybe they 'll be more responsive. 
Additionally, they have asked that I pay upon this loan beginning next month at the rate of {$210.00} and yet they will not provide me with the particulars of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Trouble during payment process

Complaint: We changed homeowner insurance companies in XX/XX/XXXX. Navy Federal was notified immediately. The annual premium for the new company was paid in full by me, by check, check # XXXX, at the time the new policy was taken out. Navy Federal, however, went ahead and paid the old company a new annual premium after being notified that we were not going to renew the policy. I notified the old company that the refund should be sent to me since I had paid the premium in full for the new policy. I sent Navy Federal a copy of the canceled check proving the payment in full. They feel the refund from the old insurance company is theirs to keep and I was out of line to claim it. I have requested an escrow analysis. I keep getting verbal analysis that change daily. Friday, XX/XX/XXXX, I had a surplus of {$360.00}, today, XX/XX/XXXX, I have an overage of {$39.00}. ( Nothing has been paid out. ) How does it fluctuate so dramicatically? ) When I question that, I am told that they are not going to talk to me because I am being unreasonable. I don't think it is unreasonable to try to understand where {$300.00} went in 4 days when there were no expenditures! This is the second complaint of this mortgage division in three months. Do you think we are being singled out? I have furnished copies of tax statements, cancelled checks, invoices, etc. I have faxed, emailed, and scanned and submitted on their system. They claim they have not received them. They processed the checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Corelogic Credco did not have my authorization to pull my credit report. The inquiry made by Corelogic Credco on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

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 09/19/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2015, I traveled out of the state of my Mortgage residence owned, XXXX, to work on a three month contract in the state of XXXX. My account at Bank of America ( Mortgage Checking Account ) was lost and lifted out of my name by Bank of America. The account status was never fully restored and payments to my mortgage when I returned to reside at my home in XXXX in XX/XX/XXXX-XX/XX/2015 were refused application to my Mortgage account and lost. I also found two years of Escrow take on my Mortgage Escrow funding.

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 12/17/2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Dear CFPB : I am an XXXX XXXX veteran who is attempting to purchase a home and I am unable to do so because AES/NCT has an inaccurately reported XXXX accounts to the creditor bureaus containing an inaccurate " charge-off '' date. This is killing my credit score and I can not get it changed despite contacting the bureaus and the creditor. 

Could you please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports. This inaccurate " Charge-off '' date is listed incorrectly on all XXXX national collegiate trust accounts. See Credit Report. 
National Collegiate Trust Accounts Charge-off date 1. Account XXXX. XXXX XXXX, XXXX 2. Account XXXX. XXXX XXXX, XXXX 3. Account XXXX. XXXX XXXX, XXXX 4. Account XXXX. XXXX XXXX, XXXX 5. Account XXXX. XXXX XXXX, XXXX All XXXX National Collegiate Trust accounts were 150 days late in XXXX, XXXX. All XXXX National Collegiate Trust accounts were 180 days late in XXXX, XXXX. 

As far as I can discern, " Charge-off '' means that a creditor bank no longer carries the student loan account receivable on the creditor 's bank books as an asset. Under federal regulations, a private student loan lender must charge-off a student loan account receivable after it has been delinquent for 180 days. See XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. The " Charge-off '' date should be XXXX, XXXX. 

Please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports and change it to XXXX, XXXX. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on XXXX/XXXX/06 ( loan application # XXXX ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on XXXX/XXXX/06, and I have those records. Shortly after I cancelled the loan, as the terms had not been satisfactory. It was my understanding that the {$390.00} appraisal fee was non-refundable, but the {$3000.00} that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this {$3000.00} reimbursement and they said they could not refund the money. Not only was this bad customer service, but caused customer harm to me in a deceptive and possibly illegal action of not returning the {$3000.00} in funds. Although it has been nearly 10 years, I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back, and was told to the contrary. Please advise. Thank you.

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 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 filled numerous complaints with XXXX and Equifax. XXXX finally responded by removing the XXXX loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX XXXX XXXX. XXXX sold these same loans to XXXX Collections XXXX. XXXX only removed just XXXX of the XXXX Collections # XXXX and not the other XXXX were left on the report and need to be removed as they too have been sold by XXXX.These other XXXX loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to XXXX XXXX XXXX. Equifax has all XXXX XXXX Collections Services still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that XXXX would be difficult to deal with and they were right.I am XXXX XXXX XXXX living on a fixed income and need to refinance my house but the the game playing by XXXX and Equifax still continues. Why did n't they remove the others like XXXX did?

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I filed a complaint With CPFB on XXXX ( XXXX ). Not only did they not address the issues I presented in my complaint, National Collegiate Trust revised my report to add even more incorrect derogatory information. They now show that this student loan was a charge off. This loan was NOT charged off. On the contrary, this loan has been PAID AS AGREED since its inception. It is impossible to get in touch with National Collegiate Trust. The number they have posted on my credit report ( XXXX ) is not actually the number for National Collegiate Trust. It is the number of the services of the loan ( AES ) and AES told me they have nothing to do with this loan anymore. They gave me the following number to call : XXXX. This number just asks for you to leave a message. I left a detailed message but I am quite sure I will never hear from them. This loan should not be reported as a chapter XXXX wage earner payment plan - my chapter XXXX was discharged. There is NO payment plan with National Collegiate Trust, only my regular payments that were made and loan was PAID OFF. There should not be any derogatory information about this loan on any of my credit reports. If they can not get it right, then they need to remove it altogether.

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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not have adequate data security to protect my personal information, as well as the personal information of 143 million other Americans. They further jeopardized our financial security by failing to inform us of the recent data breach, which occurred between XX/XX/XXXX and XX/XX/XXXX, until XX/XX/XXXX. Equifax enjoys an effective monopoly on credit reporting along with XXXX and XXXX but that should not be allowed to continue if they can not ensure the security of the sensitive data on the consumers they report on.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Here are my present concerns with Equifax : 1 ) Equifax did n't disclose this threat for more than a month after it happened. 
2 ) Equifax directed me to a website where I could learn if my personal information was stolen, only to give me a canned answer that does n't tell me if my personal information was stolen. This is misleading. 
3 ) I have read that several executives at Equifax sold company stock after the hack was discovered internally, but but before it was announced publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 1st complaint : I tell XXXX person I coming in on Friday to make a payment ; the next day someone will call to see when I coming in to make payment. Because either the person did note the acct or the new person who is calling did not read the notes. 

2nd complaint : I told XXXX people already I coming in on Friday then someone call me on Thursday to verify if im still coming on Friday. 

3rd complaint : Someone will call me on Friday if I have not came in by XXXX to see if I still coming. The office is open til XXXX and the also have a drop box. I have explained to them over and over I work until XXXX and I have XXXX children to pick up so I will either get there before the close or put it in the dropbox.

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