milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to contact both XXXX and Experian to place a freeze on my credit report for several days. I was XXXX of the persons affected by the XXXX breach. 

For XXXX ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For Experian ... I tried to pay for the freeze on my account to avoid signing up for their monthly service XXXX {$4.00} to start, {$24.00} per month thereafter XXXX, however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at Experian. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with Experian? 

Much praise to XXXX. Their process was free and flawless. For Equifax and Experian, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.

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 01/22/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Real Time Resolutions, Inc. (NC).
Issue: Trouble during payment process

Complaint: We obtained some kind of " home collateral '' loan from XXXX many years ago, we knew the terms of the loan and we 've been paying religiously by automatic debit from our checking account since the last 10 years. Anyway the loan has been sold many times over but we normally get some kind of notice about the loan being sold. 
Well this time the loan was sold from XXXX ( XXXX Customer Service Phone XXXX ) to REAL TIME RESOLUTIONS which it seems to be a debt collector.Real Time Resolutions, IncXXXX XXXX XXXX XXXX, TX, XXXX Phone. XXXX The thing here is nobody ever let us know about this, and it looks like we have a loan with a debt collection agency Real Time Resolutions and we do n't like that. 

Banking and financial regulations need be stronger in this country, the consumer always suffers. 

In any case I consulting my attorney to see the steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Navient Att : Dispute Department XXXX XXXX XXXX, PA XXXX Re : Reference : XXXX ( XXXX Navient Private Loans ) are not ( 60 days Late ) Dear Sir/Madam : I am disputing the above-reference. Please verify these days as required by the Fair Debt Collection Practice Act. 
I dispute this accuracy due to Financial Hardship and loss of employment because I did provide notification to Navient representatives on my account, thus, having extra time to pay the monthly payments and interest loan amounts in a timely matter to Navient. It appears as negative accounts on my credit report. I believe this business practice is reflecting negatively and is difficult obtain a financial position in a job market. Please remove from all three credit report agencies entirely. 

The days that were paid were XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX 2016. 
The application submitted for was submitted as a forbearance before XXXX XXXX 2016 to allow sufficient time for Navient to record payment made and retract any negative impact on my credit report. I was never 60 days consecutively late. The one payment I missed was XXXX 2016. And it is why I applied for the forbearance. 
Navient processed the forbearance late after XXXX XXXX making XXXX payments late causing a negative reporting on my file and submitting false reporting to the credits agencies I am disputing this days and amount own and as recorded, you should not report it to the credit reporting agencies, if you have already reported it, please notify the credit reporting agencies that the delinquency is disputed and delete the trade-line from my credit report. Reporting information that you know to be inaccurate, and failing to report information correctly, violates the FDCPA and Fair Credit reporting Act. 
Aside from verification of the days, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau, XXXX Department of Consumer Affairs, and Federal Trade Commission- Consumer Response Center

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote letters to XXXX XXXX and Experian asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.

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 09/22/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NE).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on our mortgage through XXXX on XXXX/XXXX/2016. Our first payment is due XXXX XXXX, and I received a random phone call on XXXX/XXXX/16 from Freedom Mortgage telling me they bought my loan. The representative on the phone told me my payment was due XXXX, then changed it to XXXX. When I go online it says XXXX/XXXX/16 first payment is due. I never received a fifteen day notification that my mortgage loan was transferring and now I am trying to get a straight answer as to who I send my first payment through. I have received no bills from anyone.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In early  XXXX  of  2017 , I recently got a copy of a background check from a company I was applying to work for ( I applied in late  XXXX     2017 ), alt hough it did not disqualify me it had an incorrect current address as my reported residence despite mailing me the copy to my current address ; for which it came as a discrepency in my reported address. In the report it has my current address as a former address ( which is in  XXXX    XXXX    ) de spite having the most current dates tied to this address and a   XXXX    address as my current address for which I only lived there for a short amount of time, about 4 months due to being stationed there with the military. I used this address only a couple of times, one being that I applied for a credit card out there and used that address in order to receive statements and qualify for the purchase I was trying to make.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of 2013 I became unemployed, I had mortgages on two houses. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I tied for almost 3 years to sell XXXX eventually even short sale but was unable to. My saving depleted I gave the house back to Wells Fargo Bank. I had faithfully paid the mortgage for 14 years on the XXXX house, until I could no longer afford to pay them both. I have never missed a payment on my XXXX house. They have turned the Debt collection over to XXXX XXXX XXXX XXXX XXXX in XXXX Texas, in the amount of {$48000.00} which is on my credit and I 've contested it with the credit companies. ( see my credit report ). There is no Judgment against me or my wife, Wells Fargo knows full well my situation, I wrote a letter to them while trying to short sell and there were many calls made to loan officers. They have made their initial investment several times over through just the mortgage payments I made, then they sold my house. Wells Fargo shows account balance of XXXX. XXXX shows XXXX owed at time of acquisition, market value of XXXX? Now, I 'm XXXX ( XXXX XXXX ) and have a XXXX ( XXXX ) XXXX XXXX XXXX. I have to sell our dream house on the beach to move close to XXXX XXXX Hospital so I can possibly get a XXXX XXXX, they have made it impossible to get a mortgage, and have no judgment against me. Just put it as a bad debt in my credit report. Please help me and my family if you can, I feel I 'm being treated unfairly. I 've had good credit most of my life and pay my bills still. I gave back the house, I 'm a veteran, but that does n't count for much these days. I have no place to turn to!

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 04-05-2017 about Debt collection (Credit card) with Apex Resolution Group LLC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been receiving robocalls from this company Apex Solutions. On Monday, XX/XX/2017, I received a voice mail from this company. It was a man 's voice and he stated ( I believe this was the middle of the conversation ), " full restitution. This will lead to your last known employer being contacted and will affect any current deposit accounts you may be using. '' The man then left a phone number and repeated it twice. I called the number on Wednesday, XX/XX/2017 and spoke to a lady that did not give me her name. I asked about the threatening voice mail and she said it is a prerecorded message. I asked her do they use this to call all people who have a debt? I told her it was a threatening voice mail and she hung up on me. The call back number is XXXX. They are collecting a debt for XXXX. I believe this debt may have been discharged in bankruptcy court. I have saved the voice mail and can email or text it. This company calls 2 or more times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Phone call made on XXXX to close Business checking account. After being told that my account would go into a closing procedures I was told all transactions would be stopped or put on hold, and that a check would be cut for the remaining balance of {$1700.00} by mail to my personal address. 

A charge of XXXX for {$870.00} went through my account, and I did n't know until I got my statement and I was still waiting for a check in the mail. At this point I was confused and called the XXXX, and filed a claim dispute as the agreement between this company and I were done with our contract. I reached out to this company and XXXX to no avail for a solution. 

In the end I waited a week to call XXXX back to see the process of my claim, and they claim that I was suppose to be responsible and notify them within XXXX hours of charge. I was not expecting anything to be put through if I was told my account was on hold. In fact I expected them to just send me the remaining balance and assume it would be here instead of getting a statement notifying me that I was charged for an unauthorized charge I did not give consent. 

Now what if someone went on vacation and charged {$13000.00} to an account and I did n't get back until XXXX days later, would I be out of that money. That 's not the way to do things and for XXXX policy to be within XXXX hours is absurd. The XXXX at the XXXX NY XXXX XXXX branch had stated the same thing. And how come a personal checking account is givin a grace period of XXXX days and the business account is not. I will not settle for XXXX being a corporate XXXX, and will not do any of my personal banking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted to dispute this fraudulent XXXX XXXX XXXX account with Experian multiple times, and they refuse to remove it. This account does not belong to me. I am a victim of identity theft. I now have IN WRITING, a letter from the original creditor directly, stating this account was fraudulent and they have requested it be removed. The name on the account ISNT EVEN MINE!

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 11/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My name is XXXX XXXX XXXX. I recently disputed Civil claim judgment by XXXX XXXX XXXX IN THE AMOUNT OF {$9200.00} that appears on my credit report with Experian only and requested that I receive a legal and throughout investigation into the matter to have it removed from my credit report. They failed to provide me with any of the methods in which they claim to have validated this item and I am extremely concerned and afraid that I may not have a rightful resolution to my problem. Civil Judgment XXXX is illegal reported in the public record of my file. This item was expunged from my records following Federated Financial 's failure to appear in court and the XXXX Judge withdrew the suit against me as it was never validated or owed. Another concern I had was that the claim amount was severely inaccurate and exaggerated. The settlement outside of court was under the sum of {$2000.00}. 

I asked Experian to kindly look into this matter for me and delete this item, as it is greatly affecting my interest rates and approval odds with financial institutions, and they validated it somehow and kept it negatively affecting me in a letter sent to me XX/XX/XXXX. This public record item is not legal and it is not valid and was withdrawn by a Judge and its contents were never open and satisfied outside of court. There has never been an judgment against me XX/XX/XXXX nor have I any records proving this myself. 

What has affected me the most is that I received no documents nor any proof of any investigation as requested in my letter, which I have attached. I specifically wanted to see what Experian was seeing and there is nothing that has been provided besides a number XXXX-Please call this number yourself. there is absolutely no dial tone and it can not even been found in their database catalogue. 

Please, Experian, remove this invalid judgment from my records this is not proper investigating and this is not a legal item and can not legally be reflected under my social security number with your company. The address provided was also incorrect and I have no idea how and when and by whom this public record item was verified. Please remove it promptly, it has now been 25 days since the receipt of this letter and I will not wait any longer for any more investigations. 

I have attached my disputed letter, my recipe and their response to me in hopes of asking Experian again to please remove the item which is not valid nor viable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Credit card debt) with Second Round Limited Partnership (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I CONTACTED SECOND ROUND AROUND XX/XX/2017 AFTER DOING MORTAGE LOAN IBQUIRY. I WAS TOLD SECOND ROUND PURCHASED ACCT. AND POSTED ON MY CREDIT RRPORT AGAIN LATE PYMT TO XX/XX/XXXX/XXXX XXXX DC. 
1. I NEVER RECEIVED LETTER PURCHASED OF ACCT HAPPENED, WHiCH COMPLIANCE DEPT CONFIRMED AT SECOND ROUND. 
2. CUSTOMER SERVICE XXXX TOLD ME XXXX NEVER TOLD THEM ACCT WAS IN BANKRUPTCY AND I HAD A LAWYER. SECOND ROUND REFUSED TO TAKE THEMSELVES OFF MY CREDIT REPORT. 
I NEVER PAID {$20.00} IN AGREEMENT WITH XXXX  XXXX XXXX. ACCT IN XXXX STATUS. ASK THEM TO PROVE IT WAS MY BANK XXXX THAT PAID. SECOND ROUND JUST KEPT TELLING I PAID AND STOPPED PAYING AGAIN. DID WANT TO INVESTIGATE. TGEY WAS N'T INFORMED WHEN PURCHASE AACT. I WAS IN XXXX STATUS AND HAD LAWYER WHICH XXXX ALREADY KNEW. 
PLEASE TAKE SECOND ROUND OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After filing Chapter XXXX in XXXX XXXX my mortgage lender shut off internet access to my account online. They also stopped sending monthly statements. 
I want to know why they say they do not have to provide me with monthly statements while in chapter XXXX. My understanding is a law was passed in XX/XX/XXXX prohibiting banks/mortgage lenders from doing this when there are issues with the account. 
Please note I pay my mortgage directly to the lender ... it does not go through my chapter XXXX trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX, a phone call was received by the company for debt collection. Since I 've not received notification from any party that a personal balance was past-due, it was ignored. I checked my credit report and this company placed a soft inquiry on the same date and they were contacted by e-mail for assistance ( ID XXXX ). On XXXX, I called twice and someone hung up without saying anything. On XXXX, debt validation was requested ( ID XXXX ) and received by mail on XXXX. They are attempting to collect on a debt from XXXX which was settled after evidence was provided to XXXX and a collections agency at that time ( XXXX or something similar ) as an XXXX buyer committed fraud. According to the letter, the debt was placed with Convergent on XXXX. No written or electronic communication was received by XXXX or any collections agency for more than a decade and there 's nothing I can do about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX has the worst customer service and would not help me resolve my issues with them. 

They are currently asking me to pay $ XXXXmonth towards my student loans which I can not afford. I tried speaking with them about other options in XXXX XXXX. They suggested the income-base program and also mentioned the public service loan forgiveness program as well to drop down the interest and make 120 monthly payment and the rest it would be forgiven. 

I faxed in the necessary paperwork to them to apply for the programs. A month later ( XXXXXXXX XXXX ) the update was that I can pay a certain amount first to get caught up to not be past due and then start the programs they had to offer. I told them I could n't afford to pay the amount they were asking for because of the situation I was in. They told me that they could n't help me with lowering that payment. 

Months past and still no update if they could work with me. Then finally Hurricane Harvey hits my home and I lost everything. I called them to see if they could do anything and the only thing they could do was not charge a monthly payment on my account. I asked them did they have a solution about lowering the monthly payments and the rep said that they would call me and let me know what the supervisor can do. 

I have yet heard from the XXXX and they are destroying my credit. I am trying to get back on my feet due to Hurricane Harvey destroying my home and personal belongings.

The Hurricane took away my belongings and home and XXXX is hurting my credit to get approved on replacing damaged clothes, house, furniture, so now Im stuck and do n't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. Account no.XXXX. Repossessed XXXX/XXXX/XXXX. Credit reports not posting XXXX XXXX payments, city of XXXX just mailed to taxes due from XXXX XXXX this XXXX XXXX first received XXXX. city of XXXX hired XXXX XXXX. I am XXXX since XXXX, on fixed income and not able to work. For a year now I had to get rides to medical appointments and missed some.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE FRAUDULENT COLLECTION ACCOUNT FROM CREDIT FILE. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief