milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EXPERIAN IS THE ONLY CRA NOT REMOVING THE INACCURATE PUBLIC RECORD FROM MY CREDIT REPORT. XXXX AND XXXX HAS REMOVED IT AS SOON AS I PROVIDED THEM WITH PROOF OF THIS BEING INACCURATE. SAME INFO WAS SUBMITTED TO EXPERIAN BUT I KEEP GETTING THIS AUTO GENERATED LETTERS, ONLINE ACCESS IS NOT AVAILABLE AND IT IS IMPOSSIBLE TO GET AHOLD OF A LIVE PERSON OVER THE PHONE. MY LAST CALL TO EXPERIAN I WAS ON HOLD FOR 2.34 HOURS UNTIL I RAN OUT OF PATIENCE. THIS IS INACCEPTABLE, IGNORANT AND A VIOLATION OF MY CONSUMER RIGHTS. 
EXPERIAN IS NOT COMPLIANT WITH FCRA RULES AND REGULATIONS AND MUST BROUGHT TO JUSTICE

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 05/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Other

Complaint: Barclay bank is reporting an account on my XXXX credit report that does n't not belong to me. The account number is listed as XXXX. I previously disputed this with the credit bureau, and it came back as verified. However, this account does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX XXXX, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, Experian and XXXX which took effect XXXX XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, XXXX and Experian, to remove these notations -- from my Credit reports -- theses notations are still there.

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 02-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To Whom It May Concern : Tranunion did not provided the results of my late payment investigation with my Student loan Account : XXXX SS # XXXX Late payment in XXXX 2014 XXXX have intensely fraudulently remove my forbearance date and reporting 90 days late to credit bureau. In XXXX 2014, XXXX, backdated forbearance date. XXXX they removed it than reported late in credit bureau and than backdated forbearance date. 
XXXX or Tran union should not report to late payment. I paid as agreed upon forbearance XXXX Why Transunion did not provided response from XXXX? 
Transunion are not responsive

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX of XXXX i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my XXXX  report and found out that Bank of America had put the account back on only my XXXX credit report. It is not back on XXXX or XXXX I never received any letters from them or XXXX letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute letters to XXXX and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: From XX/XX/XXXX-XX/XX/XXXX I managed a shared house community. Upon my move out/vacating in XX/XX/XXXX the landlord and the folks who took over did not handle the accounting correctly. I had an account with XXXX XXXX XXXX in my name while residing there. It was not taken out of my name for years. I have received a bill from a collection company for XXXX. This bill should be presented to the owner of the property XXXX XXXX ( of XXXX, XXXX, WA ). It is incorrect to bill me for an account that should have been in her name or a tenant name.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Good Morning, Thank you for your consideration and response. 

I have spoken to my attorney and he has informed me that we are no longer in litigation at this moment. Please revisit our case/complaint for questionable business practices by JP Morgan Chase pertaining to our request for a home loan modification that has been going on for 6 years now. 

Thank you again for looking into our case. 

Kind Regards, XXXX XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because it appears you 're involved in pending or prior litigation about the same issues raised in the complaint. No further action will be taken on your complaint. 

What happens now? 

We entered the information you provided into the XXXX XXXX XXXX, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. 

Can I hire my own lawyer to look into this? 

Yes. While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at XXXX. 

Is that it? 

Your complaint helps us identify trends and problems in the marketplace and understand the challenges people are facing so we can do a better job looking for these problems when we supervise companies, enforce Federal consumer financial laws, and write rules and regulations. 



Thank you, Consumer Financial Protection Bureau XXXX ( XXXX ) XXXX ( XXXX ) AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Payday loan) with Integrated Recovery Services (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This collection agency contacted me via phone on XXXX/XXXX/2015 at XXXX pm and left a computer generated message claiming that I must contact them to avoid civil action. They contacted me again at XXXX and I was n't able to answer the phone. I called the number back at XXXX and spoke with a XXXX XXXX who was very rude to me and did not tell me what the call was about. When I asked him what the call was regarding and his contact information, he asked " what are your plans to pay what you owe, you owe XXXX ''. He never once disclose that he was attempting to collect a debt, nor did he validate the debt information to me. When I asked him for his contact information, he asked me what did I need it for and that he only accept payments via telephone. I told him that I wanted the information so that I can dispute his claim and he told me that I can dispute the claim in XXXX XXXX XXXX. He simply hung up the phone right after he made this statement. I called the number back because I assumed it was a scam the way the XXXX conversation was handled ; I called back at XXXX and the same person XXXX XXXX answered the number again. I told him that we had a conversation earlier and that I was calling back to get the contact information. He kept trying not to give me his information and continued to asked whether or not I plan on paying and how I plan on paying. He never stated he was attempting to collect again on this call nor did he validate what the debt was for with competent documentation. The representative also claimed that they had a legal department that I needed to contact about this as well and initially I was told that their name was Integrated legal services. I do n't know if the address that he gave me when I called back at XXXX is correct being that they were not honest initially on what the name of their company was and the fact that the representative refused to give it to me. All I have that I am certain of is the number that is on my caller I.D on my telephone from where they called from and the message that was left threatening me with legal action if I did not return their phone call. I have the voicemail that was left on my phone saved as well. The message that was left on my phone nor the representative that I spoke with Disclose that this was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A few years ago I stopped paying my XXXX XXXX XXXX phone bill because my significant other stopped paying his half and I could n't afford to pay both. Eventually, I called and talked with a representative to see if I could make payments to pay it off ( since I was young and knew good credit is essential ). She told me I could n't make payments to them it would have to be the full amount and I expressed that I could n't afford it. So she asked me did I want her to go ahead and send it to a debt collector so that I could start making payment with them since that 's why I was calling in the first place and I replied yes. Months later I was contacted by a debt collecting agency. They sent me a letter in the mail I was n't surprised because this is what the representative told me would happen. So I called the number listed and we came up with a amount I could pay back and a payment plan where I pay {$75.00} until it was paid off which I did last year. I paid {$110.00} on XXXX/XXXX/15 and every month after that {$75.00} would automatically be taken out of my account. That was the agreement until it was completely paid off. Once it was paid in full ... .they stopped taking the money out of my account and I received my last letter from them saying it was paid and never heard anything about this debt again. Until recently I received another letter for the same exact debt which later popped up on my credit report. I still have a few letters from the debt company that contacted me and bank statements.

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Around X/X/17 I called XXXX about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX yr Old Mother is being Harased and Intimidated by RMS reverse Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX by XXXX XXXX XXXX XXXX XXXX. She was in the Hospital and RMS was told this and Started Foreclosure proceedings. The reason was that she was not occupying the property. When she came back home she started getting the Notices. We were told to have her sign return the Occupancy Letter. There was never any occupancy letter ensclosed. Only form to surrender the Property and hand over the keys. The Loan Balance is XXXX K the Home is appraised at XXXX. This is predatory lending practices to take a large amount of equity away from an unsuspecting XXXX person. I can never reach XXXX XXXX hes always Not Available or out of the office. We get the letters sent by Special Delivery on Saturdays when there office is closed My Mother who is XXXX. This has been going on since XX/XX/XXXX. We have faxed over utility bills and a signed letter that my Mother resides at our residence. The Company has stated that the loan will be taken out of default and Reinstated but they refuse to send us anything in writing. Last weekend we received yet another letter again threatening foreclose for unpaid taxes. I have paid all the taxes current. The letter even states the amount owed for taxes is XXXX. But they keep sending the forms to let the property go to them so they can steal all of our equity.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: We have a loan managed by XXXX. We took out the loan when our youngest daughter was in college. She graduated in 2009. Our payment due date is the XX/XX/XXXX of the month. Today when I logged on to schedule the payment for the XX/XX/XXXX, the site reported that the account was delinquent on XX/XX/XXXX. Really? One day past due? 

Here is the letter I sent this morning : " I have repeatedly asked that you change my due date to the XX/XX/XXXX of each month as that is the day I get paid, and sometimes ( on a month in which I have three mortgage payments due ) I can not pay you until the XX/XX/XXXX. My account becomes overdue or delinquent one day past the due date? is that even legal? 

Please change my due date for my loan payment from the XX/XX/XXXX of the month to the XX/XX/XXXX. '' I can not seem to get any satisfaction from this company, even for the small change I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Shopping for a loan or lease

Complaint: Applied and was approved for a loan with GM Financial, received a " welcome '' phone which included a few questions from the GM customer service agent. One question, was " will anyone else be driving the vehicle '' I told them his name and then I explained I traveled a bit and my husband would be driving the vehicle about 40 % of the time and I would be the other 60 %. GM customer service agent then asked " why were they not on the loan ''. I stated, never thought about it since this person was my partner and we lived together. Besides my partners credit was n't as good as mine. The agent then asked for my work number to verify my employment, I explained I was driving and would get the information to them with the next few days. When I called to give them the information as requested, I was told my " loan had been sent back to dealer '' ... I asked the agent why, she replied " you will have to call the dealer '' ... So I did just that, the dealer told me that GM Financial stated I was doing a " straw loan '' ... needless to say I was shocked!!! I explained, how could GM accuse me of doing a " straw loan '' when the insurance for the new vehicle was in both our names, along with the checking account from which the payment would be made. I feel or know that GM Financial discriminated against me and my husband, since we were XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a debt placed on my credit report by XXXX XXXX XXXX. Experian allowed XXXX to keep this on my record though XXXX XXXX XXXX can supply no documentation from its company or the original company, XXXX XXXX XXXX, of the debt owed or the billing practices of XXXX XXXX XXXX and its billing management corporation XXXX. 

Also, XXXX reports the original date for the account as XX/XX/XXXX, when it is actually XX/XX/XXXX. 

I was told by XXXX that this debt would remain on my credit report forever because they were going to keep it in a collection state.

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 08/14/2015 about Debt collection (I do not know) with High Point Asset Inc (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX XXXX Threatning Me calling my relative s that I do n't know about

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I held a cre dit card with Discover which went into default. Discover wen t to court and filed to garnish my wages and won. I contacted  Discover, which s hows them as the holder on my credit report, and attempted to pay the debt off all at once in its entirety. I was informed that the law firm   XXXX   XXXX   XXXX   XXXX   held the debt,  Discover  transferred me to them but no answer. I attempted to call the law firm directly and still no answer. I called  Discover  again and informed them that nobody answered and I wanted to pay off the entire debt. The  Discover o perator told me she would call them and at that point hand me over in person. After  12 minu tes The operator came back on the phone and informed me she was unable to make contact at this time. I hung up and attempted contact with the law firm a  3rd time with  no answer. I then proceeded to the court house, in  XXXX   county, to get a  copy of the court order to look for additional contact information on the law firm. Th e 2 numbers on the court order are the same as the 2 I have already. Both numbers connect with  the same automated service. I then tracked down the original attorney and contacted him directly and I was sent to voice mail. I then called and received a call back from  XXXX   XXXX   XXXX . I asked them what my next step should be and the recommended calling the Attorney  Generals Office Consum er Affairs. I called the Attorney  Generals Office and they recommend I dispute the claim on my credit report - which would show me the actual holder of the debt. T his all happened on   XXXX   XXXX   XXXX    . I 'm still standing here wanting to pay my debt and nobody is able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XXXX, I was approved for a XXXX XXXX XXXX XXXX XXXX and gladly accepted. I was told by the store associates that I would receive a coupon magazine and my card within the month. It is now XXXX and Ive yet to receive my credit card from them. I made a late payment on XXXX XXXX, XXXX, and was told by the customer service representative that my card would be in the mail. Sometime in XXXX, I made a purchase in the store and the clerk was able to use my social security number to process my payment through the credit card company. I informed her Id never received my card so she called customer service. They, again, said my new card and vouchers would be sent out and I should receive it by the end of XXXX. I have not received my credit card, attempted multiple times to contact them so my card could be sent, and each time Ive been told it will arrive. It never does. On the card includes a number to call to make a payment. Since I dont have that number, Im forced to wait until my bill comes in the mail and interest has accrued even though I want to pay it off before then. Oddly enough, they have the correct email, phone number, and address since I do get a bill, but they cant seem to send me my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After graduating from school I was faced with student loan repayment. I was never able to afford the payments and made that clear each time I was contacted by ( then XXXX ) Navient. Eventually I was offered a " low interest '' option, but had to agree to make payments each month for 15 months. I did this for 2 years straight, without missing a single payment. At the time of my financial review to reassess my payment amounts, the representative I was working with did n't delete my previous payments before setting up my new payments. This caused me to pay double each month for a few months. I called and spent hours ( which included hours I should have been working ) on the phone with representatives trying to reach a resolution. Eventually I was refunded the overpayment, but never refunded for bank fees. Fast forward to the end of 2014, I lost my job and called Navient to notify them. I was told ( and I always quote ), " There 's nothing we can do. You still have to pay ''. I was harassed by phone on a daily basis, from XXXX to XXXX Monday through Saturday. They called my mom, my brother, my old job that I specifically told them I no longer had. They argued with the person who answered their call, stating that she was lying about me no longer working there. They also revealed that they were debt collectors when leaving a message with my old coworker. Presently, I do n't know who owns my loan, as they 've sold it at least twice. It is an overwhelming feeling of despair and frustration, hopelessness and guilt. Every student I 've ever spoken to who has a loan through SallieMae/Navient has encountered similar negative experiences, some far worse than mine.

Company response to consumer: Closed with explanation