milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i had equifax credit monitoring i cancelled it, since they refuse to send me my credit reportafter sending them my identfification information like social security printouts, id cards andcredit cards bills, medicare cards copies of all with my XXXX XXXX XXXX on the informationfor all documentsw sent including the irs document of identiy theft declaration. i have calledthem on a number given to me by the FTC answered questions that only i would know, ibeleive thier employees are involved in a fraud operation or doing identity theft to consumers other agncies there is no problem getting my report, it has been 14 monthsand a total of XXXX spent trying to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent 4 request for Equifax to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Equifax regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern! 

An alarming issue should be brought to your attention at once. Ocwen was ordered to provide XXXX in relief to homeowners upon investigation by the Consumer Financial Protection Bureau for a host of complaints, including robo-signing affidavits and other documents. 
Attached is an affidavit sent from Ocwen to me the " borrower '' that Ocwen robo-signed ( page XXXX ) my birthdate, incorrectly of course, ( it is Ocwen ) followed by Ocwen representatives informing me by phone on multiple occasions that it was instead " I '' who submitted a affidavit with the incorrect birthdate!? Thereby once again, as they have done since XX/XX/XXXX, deny me the opportunity to secure a home modification at market value and remove the debt, interest and penalty associated with this loan. Once again, this affidavit is robosigned ( page XXXX in which my social security number and XXXX incorrect birthdate ( s ) are robosigned! ) This document was sent from Ocwen to me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: recd text from XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX, XXXX my loans were consolidated incorrectly. I applied in XXXX to consolidate specific loans, leaving out the XXXX loans I had because with my profession I was eligible for deferment and cancellation of those loans, so it made no sense to consolidate them. This consolidation was processed incorrectly by Navient, they ended up consolidating all of my federal loans together, including my perkins loans which I noticed as soon as I got the paperwork for the consolidation. I immediately contacted them and told them the consolidation was incorrect and they made an error. They accused me of having submitted XXXX application with all of my loans on it despite my documentation of the typed applications I submitted, with the additional form for loans NOT to consolidate, to make it crystal clear what I wanted done and which loans to leave out XXXX XXXX XXXX. Finally after I submitted my first complaint to CFPB I was sent an email by Navient XXXX/XXXX/XXXX saying they had approved my request to unconsolidate the XXXX loans. This once again gained no ground for another 3 months. XXXX XXXX XXXX and Navient were both telling me it was the others fault and that both were waiting for a return of funds from the other company. Meanwhile, my loans, including my XXXX loans, are accruing interest fraudulently. Due to my expectation to apply for deferment and eventual cancellation of my XXXX loans, I would never pay interest or principal payments on those loans ( reference XXXX Request for Cancellation of Deferment prior to Cancellation through XXXX  XXXX XXXX XXXX. Most recent update was XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX that a consolidation statement was available for viewing. Upon logging in I see a XXXX $ loan balance, plus XXXX $ of interest already accrued. Navient, who 's consolidated loan should now be {$2000.00} less if this was correctly processed, is still showing the same loan balance and accruing interest. After contacting Navient they are confused as to why XXXX is showing a loan balance if they have not received any money, for which they were unable to locate during our 20minute conversation and communication with a supervisor. So outside of the YEAR of interest my XXXX XXXX were accruing after they were fraudulently consolidated in XXXX XXXX, I am now accruing interest through University XXXX XXXX on {$2000.00} as well as whatever the {$2000.00} plus compounded interest and still are for the loan as part of the large consolidated loan at Navient. This should never have been consolidated, never accrued interest, and never have been exchanged back to UAS without communication to me, the affected and responsible financial party.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Contacted all XXXX credit bureaus to have a account added to my file. This installment loan was taken out by myself and paid in full on time each month. I 'm trying to show future creditors that I 'm am reliable and able to take care of my financial responsibilities but if it 's not being reported I ca n't prove that. I 've sent correspondence to all credit reporting agencies and have n't heard anything as of yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Trans Union requests to investigate and remove accounts from my credit report that do 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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called  them ( after 30 min on  the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.

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 07/23/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, CAPITAL ONE HAS PROVIDED ME WITH A RESPONSE TO A COMPLAINT THAT I FILED, I THEN RESPONDED TO THIER COMPLAINT, IT IS NOW XXXX XXXX, 2015 AND I HAVE NOT HEARD BACK FROM THEM IN REGARDS TO MY RESPONSE TO THEM. SO I WOULD LIKE FOR THIS TO BE PROVIDED TO THEM IN REGARDS TO THEM FAILING TO RESPOND BACK TO ME IN THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. 

I HAVE PROVIDED CAPITAL ONE WITH ALL THE NECESSARY INFORMATION THAT THEY HAVE REQUESTED FROM ME SEVERAL TIMES, THE LAWS REQUIRES DATA FUNISHERS ( WHICH IS CAPITAL ONE ) TO HAVE BOTH XXXX % COMPLETE AND ACCURATE RECORDS AS YOU CAN SEE FROM THIER LETTER SENT TO ME, CAPITAL ONE MUST NOT HAVE ACCURATE RECORDS IN REGARDS TO THESE ALLEGED ACCOUNTS INFORMATION. AS A CONSUMER I HAVE THE LEGAL RIGHT TO REQUEST MY ACCOUNTS INFORMATION FROM CAPITAL ONE AT ANY TIME, AS LONG AS CAPITAL ONE IS CONTINUING TO PROVIDED INFORAMTION TO THE CREDIT REPORTING AGENCY 'S. 

AS CAPITAL ONE IS NO DOUBT AWARE WHAT THEY ARE DOING BY CONTINUEING TO REPORT DISPUTED INVALIDATED INFORMATION ON THESE ALLEGED ACCOUNTS IS A VIOLATION OF THE FCRA LAWS. 



I am writing in reference to the dispute the accounts referenced here in my letter ( CFPB # XXXX ; XXXX ). 
I have disputed these alleged accounts information as inaccurate with Capital One, and you have come back to me and stated you were able to VALIDATE these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted Capital One myself and have been unable to get you to legally VALIDATE these accounts in their entirety. 
I enclose copies of my requests for you to VALIDATE these alleged debts in their entirety. These alleged debts are not mine and I was given any evidence of my obligation to pay these alleged debt to Capital One. 
The FCRA requires Capital One to VALIDATE the validity of the items within 30 days. If the VALIDATION can not be verified, Capital One is obligated by law to remove these items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquiries from companies I did not authorize. I went to one location ( XXXX XXXX ) and the business decided to run my credit multiple times on XXXX XXXX, 2017. I had a horrible experience to begin with that they have not rectified either. The main purpose of this is that they had put numerous inquiries on my report that were not authorized. I did not authorize them to shop multiple companies, only XXXX XXXX for financing. They have hurt my credit score and have no remorse for what they have done. I have spoken to their executive assistant, XXXX XXXX. On social media and XXXX reviews, they portray a concerned business wanting to make everything right by the customer, but when it came time to XXXX did not do anything. She has not called me back since my 2nd-3rd call. Until this day I have no received a phone call back from XXXX with an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: These school loans were taken out in XXXX to XXXX. They have been reported on my credit EVER SINCE. Navient has been garnishing my wages and taking my tax returns for over 10 years. I never got a breakdown or receipt of where the money they took was going. Everytime I would call to beg for a reasonable payment plan, they would defer them because I 'm dirt poor, with no degree. If I worked full time, I did badly in school. The college told me to take out loans, so I did. I finally consolidated them ... which did n't help anything. Now on my credit report they all show twice, making it look like I owe double what I actually owe. Again, I called, no more options they told me. Pay {$1200.00} a month or nothing. I cried, I begged. They said I could pay $ XXXX. I 'M POOR. These loans are ruining my life. I ca n't get credit. I ca n't rent a car. I ca n't get a good price on auto insurance and I do n't even have a degree to show for it. Everytime I go to try to do something about it, they tell me what I need to pay, or they tell me I will continue to have bad credit, ect. I get discouraged and depressed and give up. I get letters from 7 different companies. For different amounts. With different account numbers. I do n't know which way is up. They 've taken thousands when I had kids in my custody and I still have no proof of what has been paid. Finally someone told me to contact the credit bureau to validate the debt. That way I would be able to see what was paid, how much they 've taken, what the debt is, to who, ect. Instead Navient sent me a letter saying the debt was verified and they re-aged all the loans, with no other paperwork. I 'm at my wits end. I want to make them right, but I just do n't know how.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Billing disputes

Complaint: I have paid a bill in full have receipt and still receiving minimum payment notices.

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 monetary relief
Consumer complaint received 10/23/2015 about Consumer Loan (Vehicle lease) with Muskegon Car Credit, Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: I got a car from a company called XXXX XXXX. The car was a lease to own and could be returned at anytime. The first month with the car I was having so many issues and received an alert from onstar stating that the car had a major recall for carbon monoxide emissions. I called car today and ask them to fix it they refused so I told them I was bringing the car back. They stated that they buy cars from the auction and ca n't fix everything before they put them out on the lot. They then pull the kill switch on the car and towed it the next day. I received a letter from them saying the car was no longer my obligation and that the car was leased out to someone else. A couple of months later I checked my credit and I saw a repossession from a company called Orbit leasing Company with a XXXX balance due. I have disputed this item and they still refuse to delete it off.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I opened a checking account on XXXX XXXX, XXXX. The account requires a daily average balance of at least {$10000.00} in order to remain fee free. In addition, I registered for a promotion whereby if I maintained a balance of at least {$10000.00} until the end of XXXX XXXX, I would get a {$350.00} bonus. I made a transfer into the new account of {$10000.00} which posted to the account on XXXX XXXX. As you can imagine, it takes a few days to get online access and to link an external bank account and transfer the funds. I logged into the account a couple months later XXXX XXXX XXXX XXXX to see I had been being charged a {$21.00} account fee for the past several months. I tried to chat with the Webster Bank team via secure messages on their online banking, to no avail. They insist that the first statement period was XXXX XXXX, XXXX - XXXX XXXX, XXXX and since the deposit posted XXXX XXXX, the average daily balance was slightly less than the required {$10000.00}. They will not refund all of the service charges to make me whole. In addition, they are not honoring the bonus which I signed up for even though it is clear I intended and made best efforts to fund the account, as you can see it was funded within a week. I will attached copies of all statements to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND 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. 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 OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXX XXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!

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 09/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (SC).
Issue: Advertising and marketing

Complaint: i can not get on my website they told me i would only have to get a text one time this is everytime i have XXXX p.c.. no phone account i am just sick of it

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 11-03-2016 about Payday loan () with Ad Astra Recovery Services Inc (LA).
Issue: Charged bank acct wrong day or amt

Complaint: To clarify the debit card that I XXXX process for the month of XXXX was not obtained on XXXX XXXX, 2015. I XXXX received XXXX loans in the amount of {$350.00} from XXXX XXXX in the month of XXXX 2015. The dates of the month of XXXX are the XXXX 2015 and XXXX of 2015. And both of these loans in the amount of {$350.00} was settled in the amount of {$400.00} on the XXXX and XXXX of the month of XXXX. I have not received a loan on XXXX XXXX. I have faxed Ad Astra Recovery a copy of my bank statements to vertify. What i am writing to you hoping tha this will clear all this up this time. Even for the month of XXXX I have not received a loan the XXXX of XXXX it was the XXXX of XXXX 2015. I stated " here are patterns of my bank statements the way I was paying my loans. '' Paying all them the sameday not days after. My bank statements can contest to that so what more proof i need. That 's all i have to show is my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i got a personal loan, with discover personal loans, i maid my payments every month on time, even befored the do date, im a person that likes to paid correctly, my debts to credit companies, and i dont see why, the credit card companies never report the correct information to, the 3 major credit bureaus, every month correctly, because, reporting to them that we have a balance, when we dont have a balance, now that damages our credit score, because credit bureaus, use this information to drop down our credit score, this means that our credit score never gets better, and unfortunatelly us consumers we need a good credit score to survive in this country, but, with the credit card companies reporting the wrong information to credit bureaus, it doesnt help, now when i contact them, they allways are full of excuses, or send the problem to the credit bureaus, that means a dispute that could been fix, with the credit card company to begin with, because a dispute with the 3 major credits bureaus, is dificult to get fix, takes longer and, they allways drop the case, saying that there is nothing that they can fix, or send us back to the credit card company, truly, there is no win the situation, and us consumers we take the hit, looking to our credit to drop bad, and thats my complain

Company response to consumer: Closed with non-monetary relief