milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( Equifax, XXXX, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a company which was a XXXX in state of California with my dad. We opened the company back in XXXX and had some employees at the time. So we fell behind with payment for XXXX XXXX XXXX ( XXXX ). So in XXXX and XXXX they put few liens on the accounts. Since then we resolve all the past due balance with XXXX and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: This company has over charged me for a car that isnt worth XXXX i paid a good amount down but they continued to over charge me in financing and everything ... I deserve to have this car reduced by alteast XXXX. I am very XXXX and tired of this company and i will be filling a report with the national attorney general office about this company they take advantage of people who dont have very good credit and just stick us into stuff

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 07/24/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan with NJCLASS, this XXXX loan has no issues and is being paid as agreed. On a separate loan, also with NJCLASS, has been placed in default and sent to a collection agency. The collection agency has been unprofessional and difficult to deal with. They have refused several requests by me of a itemized accounting of the monies paid to them by me. The next thing I recieved was a copy of a motion for judgement filed with the court. Shortly afterwards, I recieved a letter of which I was copied on requesting the court to withdraw their motion. When I attempt to communicate with them they treat me awful and threaten me with various types of actions, yet when I request documents they blatantly refuse to provide me with anything. I no longer feel comfortable sending payments that they can not provide an accounting for. I have contacted the NJCLASS and they have n't been able to provide any assistance regarding this issue. During the initial period of which they claimed to have mail bills and contact me regarding a potential default I lived a multiple addresses while trying to find permanent housing. It 's highly probable that if they did send me notifications I did not recieve them because I was without a permanent address for several months. I still am perplexed that while I maintained payments on the other loan, that they would have not been able to communicate that my other loan was in jeopardy, as I called in and those payments were made by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: My chipped credit card issued by FIA card services was hacked in XXXX. Several charges were removed from my bill but one charge made XXXX XXXX, 2015 for {$350.00} was made at a XXXX XXXX store and I have been assigned responsibility for payment. FIA requested documentation and got a copy of a credit card receipt from XXXX XXXX store XXXX obviously without my signature on the receipt. At that point FIA said I was responsible for the charge which is inaccurate. 
I have filed a report with Pennsylvania State Police. Case number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been trying to have TJMAXX Remove the Incorrect late they are reporting the all 3 credit bureaus for my XX/XX/XXXX and XX/XX/XXXX payment. They did recieve payment through automatic bill pay on time. They said there is nothing they can do that I have to go to bureaus to fix it. I am in the process of buying a home and this is holding up the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I asked  XXXX  to verify the account and they still have not even after 4 certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and Experian for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well

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 07/23/2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (MD).
Issue: Problems when you are unable to pay

Complaint: I 've never liked the vehicle I purchased from carmax. Unfortunately, when I bought the car I was working close to XXXX hour weeks, so I did n't have time to return it within the time allotment. 

In XXXX, I went to return the vehicle and they were going to allow me to return it if I paid an {$80.00} fee. Now, they are allowing me to return it, but the new balance has increased to {$1500.00}. 

I 've been in and out of the hospital for the past XXXX months. I want to return the vehicle but I 'm afraid they are just going to screw me out of even more money if I surrender it instead of return it. 

I 've been disappointed in carmax for a while, but I do n't know how else to resolve the problem. I ca n't pay for the car or the upkeep or the insurance, and I do n't have money to file for bankruptcy ... which would be the only real option for me at this point. 

My debt is already uncontrollable. 

Please help me. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constant calling when I have asked them not to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Mortgage (Conventional home mortgage) with Selene Finance LP (CA).
Issue: Struggling to pay mortgage

Complaint: I found out recently my loan was behind and I had a new Mortgage company Selene Finance ( They had acquired the loan from XXXX ) Last week of XXXX. I was informed loan payment had not been received in over 12 months I have proof this is wrong that at least 4 payments were made and the rest was an accounting error by my accountant. I called and spoke to XXXX XXXX told me amount behind was XXXX. They would not take a good faith payment from me as the loan was in foreclosure but would have a reinstatement quote ready for me by the XXXX at XXXX XXXX. I called at XXXX XXXX they did not have it I called back every day several time a day. ON the XX/XX/XXXX XXXX said they could not give me information, XXXX told me it would be another day I had to beg to get the amount owed I was seriously getting the run around till a lady ( an XXXX ) name XXXX was able to give the amount and where to send it to. By this time the amount past due was XXXX before the lawyer fees .The total now XXXX. I wire transfected this amount to XXXXXXXX XXXX the next day XXXX XXXX XXXX XXXX XXXX New York Acc XXXX. 
XXXX claims they do not have the money. The money left my account and went into account provided by Selene finance I called Thursday and Friday and they still could not locate it .I sent the copy of wire transfer to XXXX She is the ONLY person who has responded. Today the XXXX i received letters fro the title company that the loan was still behind and could be sold at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2015 we sent Chase bank a letter requesting, under the XXXX XXXX XXXX, part of RESPA, a " qualified written request ''. Chase responded they do n't recognize our current address and asked us to send them a signed letter verifying our current address which we did, along with another copy of the original letter on XXXX XXXX 2015. They responded with same request for us to send address verification. 
We have done so. If you look at our credit reports our current address shows up, if Chase does not believe us a soft inquiry to our credit report would solve the problem. They have done these inquiries in the past. It is obvious they are avoiding us and breaking the law which REQUIRES a response in 20 days. They are intentionally causing us harm and we believe part of it is because we are a XXXX XXXX family.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people have repeatedly called and left me messages. They are calling family members and non family members leaving messages about me on a daily basis. I called them back and they give me a different company name each time. They lied and said they are calling from the NYS clerks office, which they are not. I repeatedly ask them not to call me and they continue to harass me, make legal threats and will not respond to any questions. I am being harassed by these people. The unknown calls from them have come on multiple occasions in XX/XX/XXXX. They told me it 's a Best Buy debt, I initially informed them I have never had a Best Buy card. I asked them to email me my signature from the original credit card application and they said they do not have that and I can take up the matter with a judge. I 've never had a Best Buy card. These people do not take no for an answer. The message they leave says they are calling about an address I dont even live at. If they have spoken to me directly why are they still calling other people looking for me?

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied and was approved for a secured credit card throug h CapitalOne  in     XXXX   XXXX   I submitted {$200.00} as my " secured '' balance and began to use the card. In    XXXX   XXXX     , I submitted {$250.00} more as a way to increase my limit and, two months after that, {$300.00} more, for a limit of {$750.00}. (  CapitalOne  would not increased my limit without the security deposit. ) I recently closed this account, now that I was able to qualify for an unsecured real credit card. There was no balance on the account when I closed it, but they told me it would take one cycle before they could return my security deposit. After about two months, I received a check for {$350.00}. I called to find out why I was n't sent the full amount, and the representative said there were additional charges on the account after I 'd closed it ( not true ). Then he said there were nonrefundable fees. This card had a high interest rate, but no fees.  <P/> I really would like my {$400.00} back and I am hopeful that you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with NELNET, INC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In 2007 I was really struggling with money, I could barely afford to feed myself and skipped a lot of meals. I called my student loan provider nelnet/ firstmark services to tell them I was struggling with my payments. A forebearance was suggested and no one told me that my loans would be gaining interest while they were not in re payment. I left them on forebearance for a year. When I went back into repayment, my balance had increased by {$10000.00}. I had no idea this was going to happen, I certainly would have started repayments much sooner if I knew I would increase my amount owed by so much.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian multiple times in regards to having these unauthorized inquiry delete it off my credit report. Having these inquires on my credit report has lower my score significantly. I also have n't been able to get a line of credit with any one because of the matter.

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 08/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX XXXX, I found myself in a very painful situation. I was separated, no personal goods, and virtually penniless. I discovered that I was in default on my Stafford loans, and I negotiated with the agent at XXXX XXXX XXXX to have the 30 % default removed from my balance if I found alternate financing. I applied for consolidation with the Department of Education Direct Loans during the same month, and XXXX did nothing with my requests to have the balance released until XXXX XXXX. When the Dept. of Ed. refi 'd my student loans, the additional 30 % was still included in the balance. I simply refused to pay until the error was corrected, until XXXX XXXX when XXXX XXXX started harassing my mother over the phone. I agreed to the default rehabilitation payment schedule with the understanding that the 30 % from the original refi was removed, as well as the additional 30 % tacked on by Navient for the more recent default. I followed through on my committment, only to discover that the additional penalties still stand. In essence, I complied and maintained my committments on a $ XXXX student loan debt, only to have the subsequent servicers add on fees balooning the amount to $ XXXX, sit on paperwork, and basically tell me I have no choice in the matter or in disputing the balance since Navient contends my completed request for the refi in XXXX qualifies as my approval of the balance ( which was NOT correct ). Adding insult to injury, this student loan debt was incurred for a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX College ) and an XXXX in XXXX XXXX ( XXXX XXXX University ), none of which are any use in my current field XXXX. 
I have reached out to my Congressional representatives, and they have not been able to provide any assistance with this. This is my last stop before I consider bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Consumer Loan (Vehicle loan) with UNITED AUTO ACCEPTANCE (GA).
Issue: Problems when you are unable to pay

Complaint: I called my auto finance company and they refused to give me any of my own information. I asked for a proof of loan from them so I can get my bill taken care of and they refused. They are basically holding my information for ransom until I pay my bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Corporation are in violation of the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Advertising and marketing

Complaint: i received an offer of wells fargo credit card about a new credit card in which they give me the offers of 0 % apr for 18 months on balances transfer and purchases. so i applied and got the card to my home, but when i called them they told i just qualify for new purchases and that it was a mistake in the letter that they sent me. i am not apprved for balance transfer. 
i dont know what happened with this people and i ask u to investigate, please. 
the credit card is # XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. 
thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: While out of work and searching for a new job in XXXX, I proactively requested a mortgage loan modification from Roundpoint Mortgage ( XXXX XXXX because I was unsure how long my job search would last. 
I have never missed/been late on a mortgage payment in 30 years of home ownership and I did n't want to start then. 
RPM and I began a protracted, XXXX loan modification process characterized by having to resend the same paperwork multiple times and XXXX different points of contact that changed without prior notice. 
I made all reduced payments on-time as directed by the loan modification group. 
The net result of my loan modification was a $ 200+ decrease in my mortgage payment and I am totally current. 
During a review of my credit history in XXXX, I discovered that RPM had reported me to the credit reporting agencies as making late payments during the loan modification process even though I was compliant with all instructions from RPM. 
A month of calling and talking to many people at RPM ensued, and despite assurances that it would be taken care of, which yielded no results on XXXX XXXX, XXXX. RPM would not change their reporting me as making late payments. 
This is an unfair business practice. I followed all RPM instructions completely. 
I should not have to bear the brunt of what appears to be a communications gap between the regular mortgage and loan modification groups or a generally bad business practice. 
I request that Roundpoint Mortgage contact the credit reporting agencies ( XXXX, XXXX and XXXX ) and remove the late payment reports from my credit history.

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