milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me 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 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently wrote and sent out dispute letter. I 've notarized, and certified by mail sent to Diversified Consultants, Inc. And I received the letter by mail and Diversified Consultants , Inc. refused to deleted inaccurate off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Other

Complaint: i am writing you about my XXXX. i called XXXX to dispute some charges made by online business opportunity scammers.they told me they could only find one charge for XXXX for XXXX on XX/XX/2016.when in fact there were more charges on my card.there were charges from XXXX for XXXX, and XXXX for XXXX was told they could not find these charges while i was looking at them on my summary.what kind of work can i expect from this institution.these companies are totally scamming the elderly and XXXX was totally non caring.these companies never rendered me any services, charged on all my credit cards and XXXX turns a deaf ear.i had amounts and dates but no help.they need to listen to there customer, i repeated do you understand i was not rendered any services which extends me beyond there basic XXXX of 60 days.i guess one of the biggest financial institutions doesnt have to worry about the little guy.where do i go from here if my own bank will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Months after receiving service at a local ER, I paid the bills and moved on. I was then contacted by the business mentioned in this complaint, who stated that the hospital had never received the payments. 

I provided the collection agency with multiple copies of proof of the payments, including faxed copies of the check images from my bank, but they refused to close the case and instead attached a collection notice to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I co-signed on a student loan with XXXX with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted XXXX and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. XXXX 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to XXXX, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Payday loan) with BlueChip Financial (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Said they were sending a process server to serve my husband for a loan with Spot loans form XX/XX/2014. Said he was going to be charged with defrauding a company and presenting a bad check. 
He would be served if we did n't pay the {$1300.00} dollars.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient overcharged the interest rate for the year. The interest paid was well above prior years despite a lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Acceptance Corp. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from XXXX XXXX to Statebridge Company earlier this year. This is by far the most unprofessional company I have ever had to deal with. I was charged a late fee of {$45.00} for my XX/XX/XXXX payment as I had paid it electronically from my XXXX account to them directly on XX/XX/XXXX. Because Statebridge does not allow for electronic payments from a financial institution, the very unprofessional customer service person I spoke with informed me they did not receive my payment from XXXX until XX/XX/XXXX. He said they do not refund late fees because customers do not mail them in on time. He also stated that if I did n't like it I was free to refinance my loan with someone else. 
What frustrates me even MORE is that for me to make a payment with extra principal, I have to make that payment via SNAILMAIL or pay it online through Statebridge, but they charge me {$5.00} just to make the payment! If I want to make a payment to the customer service dept it costs {$15.00}! Oh and it wo n't show up on the statement that additional principal is being applied. You have to simply assume they did it. There are no documents or records to look at online either. 
What XXXX kind of archaic world is Statebridge doing business in?? This is XX/XX/XXXX, almost XX/XX/XXXX and they do not allow their account holders to pay directly online?? Snailmail??? Who XXXX uses snailmail anymore? Why in God 's name did XXXX sell my loan to such a circus of a company? Even their website looks like it was set up by some high school students for a project. Completely unprofessional and hodge podge. The employee also informed me that it would take 3-5 days for me to even SPEAK with a Supervisor or Manager! What the kind of outfit does n't even bother to talk with their clients???

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX, XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting inaccurate and incomplete information on my Credit Report. After the dispute process the results were as follows " account data updated ''. The most current reporting still reports information which is inaccurate and incomplete. 
The following is a list of incomplete and inaccurate information contained in the reporting of XXXX account XXXX. Account was reported opened on XXXX/XXXX/XXXX however there is no reporting prior to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXXHas Month after Month POSTED Principal ONLY payments as XXXX monthly payments. 
Charged a late charge of XXXX when I have proof ( XXXX ) of timely payment. 
OCWEN REFUSES to POST payments AS PAID, Principal and interest. This is a on goingmonth after month problem.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Citi Bank is contacting my relatives and friends and advising they are calling to collect a credit card debt I owe. They keep on calling them on a daily basis, after repeatedly told not to call them. 
Not sure, how they got the numbers of these relatives, because it was never given to them, when I opened the credit card account with them. Nor are the relatives and friends guarantors for the credit account.

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 10/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loans are managed by Navient. My payment was due on XX/XX/XXXX. Because my account was set up on Auto Payment, I removed the Auto Payment information on XX/XX/XXXX to prevent the payment from being debited from my Checking account. I then called on XXXX to request and was approved for a forbearance. Despite all of this, Navient still took out the money from my checking account. 

I am filing a complaint that Navient made unauthorized charges to my checking account despite my actions to stop the payments. I have to have my bank do an investigation so I can get my funds returned to me, and now I do n't have enough money to pay my mortgage tomorrow ....

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I have a lease with Ally Bank, my vehicle was totaled in an accident, my balance on lease was approximately {$7500.00} and my but out {$37000.00}, responsible party 's insurance paid {$56000.00} to leasing company and leasing company refuses to refund over payment or provide closing statement where did all the excess monies go to as they claim when vehicle totaled they are the owners and get to keep any over payment, if that is the case how come they do not pay for registration ( was paid a month before total loss and refunded by insurance company ) and maintenance of vehicle., i believe this is an unfair and deceptive contracts used by leasing company!!

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 03/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being pursued by Portfolio Collections Agency, LLC via U.S. mail for XXXX credit cards which I have no recollection of having applied for. As a result, my XXXX credit report is negatively impacted. After carefully reviewing my credit standing with the XXXX major credit bureaus, I have traced my steps backward and forward repeatedly in an effort to try to recall how this could have happened. I have taken steps to call, email, and/or write in order to dispute any inaccurate information found with these credit bureaus, have gotten positive resolutions for most of my disputes EXCEPT with Portfolio Recovery Associates. 
I began contacting Portfolio Recovery Associates since XXXX XXXX, XXXX, and my experience has been like dealing with inept and poorly trained individuals with no interpersonal skills. They give inconsistent answers, they talk over me, they 're rude when asked to refrain from interrupting, they have poor telephone etiquettes, they lie consistently and twist my words around. They are evasive, enjoy playing mind/chess games, are short-tempered to the point where nothing gets accomplished at the end of my calls. 
I was told that credit card number XXXX ( amount {$930.00} ) was opened in XXXX and number XXXX ( amount of {$80.00} ) was opened in XXXX. Yet, when I lost my job, my home, and had to file a bankruptcy in XXXX, these XXXX accounts did not exist or they would of been included in the bankruptcy. I have proposed to them that perhaps my ex-husband may be responsible for these accounts or someone else may have fraudulently applied for these accounts. I have also asked that Portfolio Recovery provide me a copy of the original applications with proof of the signatures of both accounts, but I have yet to see proof of these requests. They 've even asked that I should contact the original creditors and ask them for the original applications. 
This company, their staff, and business practices need to be investigated thoroughly, fined, and put out of business. I am a responsible consumer who fell on hard times but this does not give anyone the license to take advantage of my misfortune. I wonder how many more individuals are going through what I 'm being put through? 
I want to see this matter resolved as soon as possible so that my credit standing with XXXX can be restore. 

Your effort in assisting me in bringing this matter to a final resolution will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested a mortgage modification with my mortgage company CitiMortgage. My income has decreased. I want to keep my home I want my payment based on my current income so I can afford my payments. I received the foreclosure notice XXXX XXXX, 2016 by mail, the law in Tennessee state notice is to be given to the homeowner XXXX prior to the foreclosure per Tennessee code annotated. Please Help

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 09-09-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureay to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am not aware of this account as it was fraudantly obtained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IA).
Issue: Money was not available when promised

Complaint: Here is the exact email I sent to Coinbase to figure out where my {$1500.00} wire transfer is. It was completed by my bank on XX/XX/17 and I have still not yet received my funds. This is unacceptable and I believe your Bureau has had to deal with this many times : Hello, My name is XXXX XXXX XXXX. I sent a wire transfer on the date of XX/XX/2017 and have not received funds in my coinable/XXXX account. The wire was sent from a bank located in the United States for {$1500.00} and should be credited to my account already. I understand that your company has been struggling to keep up with these wires transfers but I've seen on XXXX forums that international users have gotten their wires deposited into their account in a few business days. It has been too long and I want to know where my funds are. I work closely with the office of the ombudsperson at the XXXX XXXX XXXX  and do not want to take this case to the next level. It would truly be a burden for the both of us. So if you could please look into the situation as soon as possible I would be more than grateful. If not, I will have to take legal action. 

Thank you, XXXX XXXX XXXX This was the first email. Ive sent multiple emails and only get automated responses about a specialist looking into it. But no results yet and it has been over a month. Ive emailed, called, and posted to forums many times but have not yet received my funds. I am a XXXX XXXX   and that money is very important to me to survive and be able to pay for school. I need it ASAP to cover

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Bank account or service (Other bank product/service) with KEYCORP (SC).
Issue: Making/receiving payments, sending money

Complaint: A check for an amount greater than {$4000.00}, dated XXXX/XXXX/15 was endorsed, presented, and accepted by a bank for deposit on XXXX/XXXX/15. I do not believe this to be proper procedure for a check to be accepted before the date written on the check. What can be done to ensure that this does not occur in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with U.S. BANCORP (TX).
Issue: Billing disputes

Complaint: XXXX charged my credit card a cancelation fee when I saw it on my bill I immediately challenged it. Twice. US Bank sent paper work for me to fill out and fax to them. Which I did and still have the confirmation page. US Bank then said I did n't send the paperwork back and I need to pay them. I have not paid them and it is only {$180.00} but they will ding my credit and I will continue to complain about them

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was 2010 and according to law once a debt is paid and OC is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information.

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.

Company response to consumer: Closed with explanation