milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1.   XXXX   XXXX   2.   XXXX   3.  XXXX  4.  XXXX  5.   XXXX   XXXX   6. Regions Bank 7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 06/30/2016 about Payday loan () with ACE CASH EXPRESS, INC. (FL).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan with ACE Loans. After submitting the proper paperwork I was denied a loan. I asked for a valid reason and was not given any specific reason. I called their main office and was also given the run around. I think this is a very questionable operation. They take your personal information and then do not offer a valid response like most lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Not given feasiable options and icrease loan amount without assistance to consolidate or adjust crippling payments

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that XXXX XXXX reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from XXXX XXXX stating that I have a new bill for my account prior to the XXXX. I immediately contacted Experian XXXX XXXX at XXXX on XX/XX/XXXX to dispute the incorrect status on my report from XXXX XXXX. On or around XX/XX/XXXX, I received an e-mail alert from Experian stating that my dispute results were ready ; however, I noticed that XXXX XXXX has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at XXXX XXXX on XX/XX/XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an XXXX XXXX Customer Service Representative on XX/XX/XXXX at  XXXX that I needed to contact the Credit Bureau Team to have my report updated. The XXXX XXXX Credit Bureau Team representatives I spoke to on XX/XX/XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XX/XX/XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the XXXX XXXX Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.

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 08-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I once owned a home at XXXX XXXX XXXX, XXXX, IN. I moved out my house around early XXXX due to it being placed up for auction while I was working with a company to do a short sale so as to avoid foreclosure even after having the house on the market for months. Litton Loan Servicing led me to believe they were working with the company in this effort. I still had several pieces of property in the house when I returned home to find people in my house saying they had just bought the house in an auction. I became very very despondent and depressed. So now the economy is going up in flames I lose my job about 2 years later and during the time I 'm living in a XXXX bedroom apartment I watched other people get help with their struggles of keeping homes. Programs are developed to help people but I 'm left to eventually filed bankruptcy in XXXX. I did n't think anything of it when people spoke about lawsuits and prime lenders and other things. But i am currently searching for information on my situation resulting from Litton Loan Servicing who held my mortgage. Please assist with any information possible.

Company response to consumer: Closed
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to dispute an entry on my credit report with Transunion. The entry does not belong to me. I ca n't " prove a negative '' to get the entry removed. (?? ) " XXXX '' is the Customer Punishment Representative at Transunion who spoke to me. He refused to begin the dispute process for me, and told me that Transunion does not fix their errors. I asked for evidence that the entry is valid, and XXXX told me that was not Transunion 's problem.

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 09-01-2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a conventional loan, 30 years fixed rate, refinancing of my current home. I specifically asked the mortgage broker if the charged off account needs to be paid. The broker ran my application and came back with an answer that all XXXX does n't need to be paid but XXXX of them need to be paid and the loan moved to next stage. While waiting for the under-writer, I paid the charged off account ( which was already past SOL ) around {$1200.00}. I paid for the home appraisal and appraisal was done. I got a mortgage commitment letter, after the loan was reviewed with the underwriter, saying that any disputes needs to be resolved and also asking for updated bank statement. Today I got an email saying that all charged off ( non-mortgage ) account needs to be paid before they can close my loan for my primary home. This is against XXXX XXXX Guidelines which clearly says that " For one-unit, principal residence properties, borrowers are not required to pay off outstanding collections or non-mortgage charge-offs -- regardless of the amount ''. I have XXXX accounts in my credit report which are charged off 5 years ago. There is a notation in the credit report that total balance is " past due '' which is the result of account being a charged off account. The account is being mistaken as " past due '' when it 's actually a charged off account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 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 disputed  XXXX  on my credit report with Equifax  XXXX  and   XXXX   multiple times with no proper response or investigation or re investigation. I am asking once again to have  XXXX  removed from all  XXXX  CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown.     The loan started with  XXXX    XXXX   the day they collapsed. Then was handed off to.      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  these  XXXX  were shut down by the federal Government,   XXXX   XXXX   XXXX  , and Last  XXXX . who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting.     Please provide legal documentation or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Problem when making payments

Complaint: I have a loan through a finance company called Covington Credit. I took out a loan late last year with them. I did initially have some trouble making payments. However, I was able to work with the company to get the account current. My problem started around XXXX of this year.I have a representative payee who manages my XXXX XXXX from Social Security. In XXXX of this year, my representative payee changed. This also changed the way payments would be made to the company. I told this to the finance company early in the process, so that there would not be any issues with the payments. Since that change happened, the company has not cooperated with the new representative payee. They have continued the collection process on my account, including adding late fees and interest, and reporting late and missed payments on my credit report. I have explained the situation to several different employees with Covington many times. I have spoke with the company over the phone, in person, and in writing about the issue. Each time I communicated with the company, I gave them contact information for my new representative payee. My representative payee has told me that they have communicated several times with the company and that they were uncooperative. I also had a troubling call in early XXXX with a woman named XXXX with Covington Credit. She had said that they have no intention of working with the new representative payee and that the company would be charging off my debt.

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 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got an email from TransUnion [ TU ] stating, " Show me my score now. ' When I clicked on it, it gave me an erroneous score of XXXX, down from last month the last time when it was XXXX. I called them and they told me that there must be negative factors and they have a different score than XXXX. I check my score every month thru XXXX XXXX which lists my TU score at XXXX. I also checked with Free Score Online, which also lists the score at XXXX. Even the TU website lists my score as XXXX -- so the question is, which score does TU give out to inquiries, the emailed score or the internet score and why is there a discrepancy between the XXXX? TransUnion has no reason to list my score as 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 04/14/2016 about Debt collection (Credit card) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I explained to company and all XXXX Credit Agencies that this does n't belong to me. They refuse to move it or send me proof that I should pay it.

Company response to consumer: Closed
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency is trying to collect the debt I did not own despite my dispute to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with The CBE Group, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I got an alert with this agency on XX/XX/2017. CBE Group is a debt collection agency. I have a debt of XXXX dollars. CBE Group opened the debt XX/XX/XXXX with XXXX. On XX/XX/XXXX XXXX and XXXX. I moved around this time and have confirmation letter from the post office. The mail could have crossed in the mail, if CBE Group used standard mail, I wouldn't have gotten it anyway according to post office. Anyway I never received any correspondence or a letter stating that I owed this bill. I don't even know the account number. If I don't know the account number and CBE Group letter or bill, how would I know to even pay. I also printed the hassle free resolution, so you can look at an option to pay. Once again I don't know account number, but it says you can by social security lookup, I am not doing that over the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After graduating school in XX/XX/XXXX, I started paying my student loans in the fall of that year. By spring of XX/XX/XXXX, I began paying via an Income Based Repayment Plan. FedLoan had become my Loan Servicer.  Because I am XXXX and make a very small salary, my payments were {$0.00}, and I would pay some interest annually. I was always approved for the program so had no problem. In XX/XX/XXXX I tried to switch to a REPAYE plan with FedLoan, which has slightly better conditions, and it has been absolutely out of control. I began to receive contradictory reports, such as that I owed about {$550.00} a month, which is half my monthly income, which makes no sense on any IBR. I spoke with FedLoan on the phone myself in early XX/XX/XXXX with the aid of a student advocacy service ( XXXX XXXX XXXX ), and they told me I would be enrolled in the program for a reasonable {$35.00} a month. On XX/XX/XXXX I got an email saying I was approved for an IBR ( not REPAYE ) for {$490.00}. I called them again and they reaffirmed that I would be on their plan for {$35.00} a month. So they ca n't even seem to get their own figures right. All was quiet as the Administrative Forbearance supposedly needed to process this happened ( all the while interest continues to accrue ), until on XX/XX/XXXX I received a bill for {$690.00} from FedLoan which they said would be withdrawn automatically ( although I am not enrolled in this autodraft ) from my Debit account. To make it even more confusing, today, XX/XX/XXXX, I was told I was approved for an IBR plan ( again, not REPAYE ) for {$330.00}. This is absolutely outrageous. They ca n't get their numbers straight, they ca n't figure out which plan I am on, even though I have submitted all the certification paperwork ( and recertification ) year after year. I simply can not afford to pay either {$690.00} or {$330.00} OR {$490.00}, and these are outrageous figures " generated '' for an income based repayment plan. If I could afford these, I would n't need to be on an IBR in the first place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.

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 10-05-2016 about Student loan (Non-federal student loan) with ACS Education Services ().
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, I have a student loan from my university that is serviced with ACS and had been transferred to them from XXXX XXXX. I have been paying on this loan regularly for over six years and am in good standing with all of my loans through XXXX, XXXX and ACS. Since this particular loan was transferred from XXXX XXXX, I have run into numerous issues. I often can not get onto the website to pay due to technical issues and site outages. I 'm currently working abroad, so being able to pay online is important. When I phone ACS, the line disconnects or it goes to an answering service- I am never able to reach a human being. Last month, I reached out to ACS via email to let them know the issues I was having and requested assistance. My loans have been late a few times in the past year due to these technical issues on their site and once again, I was trying to pay a loan and the website would not let me log in. I then requested that ACS set me up for automated billing, as I can not continue to worry about whether or not the payment functionality on their end will work. Instead, ACS sent me a notice that I had applied for a Forbearance- I never once asked for a Forbearance. I emailed them again to let them know that I had asked to be enrolled in automated monthly debit and that I had not applied for Forbearance, and I requested that the matter be corrected. I have not heard from them on this. It also looks like my last payment has been processed two weeks after the fact. 
My complaint is not about paying my loans- I pay regularly as I have for many years, despite my frustrations at never seeing my loan balance decrease, and am fortunate enough to be able to afford student loan payments at this time in my life. My complaint is that I am unable to work with this student loan company, ACS, because they : a ) do not have a working and functional website b ) do not answer the phone, c ) make errors in my requests and d ) are not reliable in responding to emails. As of now, I do not know where my loans stand with them since they are apparently processing a forbearance that I never asked for. What are my options here?

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank XXXX XXXX XXXX offered me a XXXX credit card after financing a vehicle on XXXX of XXXX. I was told by XXXX Bank XXXX XXXX XXXX customer service that since I had been approved for the loan a hard inquiry would not be run on my credit when applying for the XXXX credit card. A hard inquiry was placed on my credit on XXXX XXXX XXXX. I have contacted XXXX Bank XXXX XXXX XXXX multiple times about the removal of the hard inquiry. I was promised it would be removed. Today I was finally told it would not be removed.

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