milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received in the U.S. Mail a copy of my credit file from Equifax dated XXXX XXXX, 2015. Under their " Previous Addresses '' listed section it listed that I once or currently live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; Reported XX/XX/2015. '' In reality, I do n't live there, nor have I ever visited the State of XXXX nor do I know of anyone who lives in the State of XXXX. I currently work fulltime for the State of XXXX and have done so for the last 27 consecutive years. When I called Equifax recently to ask them to " remove '' that false Identity Theft State of XXXX address, they refused to do so!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I spoke with Experian and my report updates from XXXX never took place or uploaded to Experian 's system. There is massive fraud in regards to my personal and professional information being reported by Experian. Name XXXX, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XX/XX/2017 I spent close to one hour reviewing the fraud and Experian was helpful to have me contact a local police department in regards to the Fraud. It looks like all 3 credit agencies are not correlating information timely or have been able to do so do to this fraud. XXXX was supposed to clarify these matters with Experian, and they got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.

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 01-05-2018 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had been paying XXXX XXXX XXXX for 1 1/2 years. Till I received back 2 months payments saying another collection agency had bought my account. ( ERC ) They automatically started reporting negative on all 3 credit agencies. ****WAS NOT AWARE OF MY RIGHTS****** I sent ERC a certified letter of validation. What they responded back with is NOT in anyway 1 ) validating the debt is mine 2 ) And or in any shape a validation of prove of the charges. They are charging me a one time {$600.00} fee and a total of {$5500.00} They are not even deducting all the payments I made the last 1 1/2 years!!! TOTAL RIP OFF!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what XXXX XXXX XXXX is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have been corresponding via email with XXXX, the debt collection company since XXXX XXXX 2017. To date, Ive paid approximately {$8300.00} towards a debt that was originally approximately {$8000.00}. I initially requested a payment ledger showing all payments to date. I received the payment ledger on XXXX XXXX 2017,  about two weeks later. Since, that time, Ive been corresponding with an XXXX XXXX, about the supposed balance. <P/>XXXX. XXXX, after much prodding, told me I still owe over {$6000.00} on this account in interest and fees. Ive sent her two subsequent emails to date, requesting a thorough explanation and breakdown of the interest and fees, yet, Ive received nothing. Requesting a breakdown and thorough explanation of a balance of HOW the balance is over {$6000.00}. I am entitled to more than just a statement of what the balance is. I believe Ive fulfilled my obligations. Thanks.

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 05/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015 I received a letter from American Express Co XXXX AE XXXX. dated XXXX XXXX, 2015. The letter states " A merchant where you used your AE Card detected unauthorized access to its data files. '' I called AE to inquire as to what merchant was involved and when the breach was found, but AE told me they were not given that information, so we closed the account. I believe that AE, and all credit card companies, should receive full details of data breaches and be allowed to pass that information along to affected card holders so they may be better aware of impacts to their personal credit and identity theft. I also believe that withholding this information is not in the publics interest and serves the criminals by allowing them to operate in the dark. I ask that you, or AE, provide me with full disclosure of this data breach. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: To CFPB We previously challenged an inaccuracy on my Trans Union report # XXXX but as it turned out our beloved Trans Union didn't follow the law no, they sent us a report stating that they had investigated this issue and stated that it was mine. However, by law if you accuse someone of something, in a court of law you have to prove conclusively that what you are saying about someone is true, in other

words, provable, Trans Union fell short of this legal obligation putting it back on the ones who reported it, NOT ACCEPTABLE Trans Union.
Therefore, I have referred this issue over to our attorneys who ask us to report back to CFPB to let you know that if Trans Union does not follow the law and send us undeniable proof of this debt we will be forced to file a law suit against Trans Union who will have to pay for my time and effort, including a fine for this inaccuracy court cost and my attorneys fees. We would also request that CFPB do and investigation into Trans Unions practices to determine if this is standard and if so take the appropriate action to correct 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 02/25/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I was sick 2 times during the life of my current 5 year loan with Santander auto USA I deferred XXXX payments to be added to end of loan and I noticed my maturity date was XX/XX/2017 now it sit shows XX/XX/2017 with a balance of XXXX my payment is XXXX so I called and said payoff for XX/XX/2017 is not accurate I ca n't see how loan will mature in XXXX making XXXX payment on a balance of XXXX the math does not add up I said please explain I spoke to supervisor XXXX she said maturity is not accurate you have to pay after that date to pay balance I said it does not add up or make since she said you deferred I said yes that is why my maturity date is now 6 months out no help just fyi Santander is in current class action for same example I am explaining please help I have never been late in 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Procollect has again sent a letter to our house regarding our son 's debt issue. They have been notified repeatedly that our son does not live with us. Yet, a letter arrived today again. A complaint was previously filed with your agency about this same account. In the letter that I now have in hand, Procollect is offering a settlement of 50 % of the debt and deletion of the issue from my credit report. The previous case I filed with you dealt with the fact that Procollect put this debt on MY credit report rather than my son 's. If this is on my credit report again, I will take additional steps against them, but I do not know if it is on my credit report now or not.

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 08/24/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America failed to do a valid XXXX appraisal in a value dispute. The original appraiser they used failed to do a conplete evaluation resulting in BOA rejection of my short sale offer. 
Appraiser appears bogus XXXX XXXX hired by XXXX XXXX XXXX ( none working number? ) State ID XXXX. His report ommited crucial repairs that would reduce value significantly ..

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 11/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Payoff process

Complaint: In XXXX 2014 I contacted American Express because of health issues affecting my ability to pay my account in the manner I had through the previous thirteen years and I ask for concessions to allow me time to adjust my payment schedule so I could recover and AMX purportedly granted my request and allowed me to pay a reduced amount starting with my XXXX payment. In this program I was to pay {$270.00} per month for XXXX account and $ 1.1 % per cent per month of the unpaid balance on the other account with the {$270.00} put on automatic withdrawal from my checking account and the other was paid monthly by direct payment from my bank also. This went on for five months as I noticed the balances were not declining as it should and I called AMX and questioned why this was so. There reply was that there was also a 9.9 % charge added to the payments. I told them that an inactive account should not be charged interest. Then they instructed me that I had forfeited on my agreement with them and my credit would show a nonpayment disclosure to my credit report. I then tried to talk to someone in authority and could not connect with anyone. After repeated attempts I gave up trying and I hired a company called XXXX XXXX XXXX of XXXX, OK to negotiate and settle on my behalf they were unable to reach any kind of agreement with AMX and now I am in the process of my money being refunded and I need help with these accounts and to allow me to repay without a judgment being leaned against me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This collection account was in error by XXXX XXXX. I am a current customer that had services removed and during this transaction, our account was canceled. It was immediately opened under another account. Of course, the remaining balance that was on the canceled account did not transfer to the new account. This was an oversight on XXXX  responsibility and created a credit hardship for myself. This was corrected and any balances were paid prior to this collection agency pursuing any bogus collections. Now this information is on all three credit bureau reports as paid but collection. I have asked that this be removed with no avail. I am requesting that this collection company be notified of this matter and the what they have done can result in further actions, especially those of the legal matter. This is clearly an erroneous act by a company that needs to be put on public watch for illegal tactics and harassment.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX/Navient, continually misapplied extra payments I submitted. They went to the wrong loans, usually the lower interest only ones and the subsidized, instead of the higher interest loans and un-subsidized ones which were more costly to me. This required multiple calls to fix and hours of time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX XXXX XXXX veteran who is facing foreclosure on my home that is secured with a VA loan. The servicer of this loan is Citi Mortgage, they have dragged out the process and failed to review my financial information in a timely manner once I engaged with them to attempt to resolve this issue. After supposedly working on this for months, they finally responded to me via letter and stated that the requested paperwork was received to close to the sale date -- this seems to be an excuse to deny me access to the programs that I feel I qualify for. 

I bought my home in XXXX. In XXXX my employer transferred their business to Texas from Iowa, and I was out of work right at the height of the recession. I looked for new employment but was not successful, and had to rely on my savings to keep up with all of the bills. Then I became XXXX and unable to work at all, and the savings ran out and I feel behind on my mortgage payment a couple of years ago. 

I was told that since I had a VA loan that was sponsored by the government that there were programs available to help me get back on track and get a restructured loan with a lower payment. So I tried to start the process with Citi Mortgage. The problem is that they continually drag the process out and misplace documents or fabricate an excuse as to why they ca n't help me. I thought I was making some progress recently and was dealing with a gentleman named XXXX but before the review could be completed I received a letter stating that my request for help was denied because I had a sale date coming so Citi could not look at my information. 

Why is Citi not taking into account the multiple times that this information had been provided to them, yet they chose to never review these documents. Instead, they waited months, and then right before my sale date, they send out a letter saying, sorry, it is too late. Citi has backed me into a corner -- -their paperwork states that I am not able to resume making payments, because I must pay the full past due amount in one lump sum payment, which is impossible. So there is no way I can fix this unless Citi works with me. 

I know that I am behind on this loan, but I know that there are programs for VA loans that allow someone like me to get a better rate and payment and address the late payments. I am contacting your office to file a formal complaint since Citi is not allowing access to the government programs that should be open to struggling homeowners with VA loans. I do n't know why Citi is continually denying me access to these programs, not even giving me a chance to be reviewed or save my home. It does not seem fair. I served my country proudly and now face losing shelter for me and my son.

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 03-06-2017 about Credit card () with DISCOVER BANK (MT).
Issue: Billing statement

Complaint: Discover card will not mail me a year end statement. I also need last years statements for taxes. They said I could sign in and print it. I can not sign in. I called them 3 times. They will not mail it like other cards. I cancelled my cards. They XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: hello, on XXXX XXXX, 2016 I received a call from XXXX at XXXX XXXX XXXX time. The caller advised they were a XXXX XXXX XXXX representative and were trying to collect a debt in the amount of {$820.00} for a unreturned cable box. The caller was unable to provide any account information in reference to the time warner cable bill she was trying to collect for so I requested to dispute the amount/bill. 

I then called the XXXX XXXX XXXX XXXX Customer Service number to speak with a representative in regards to the amount due. I provided XXXX XXXX XXXX with all my personal information needed to access an account and the XXXX XXXX Representative had absolutely no record of an account. 

I called XXXX to discuss the questionable amount due since XXXX Customer service has no record of an account. The company recording advised it was ERC, a debt collecting agency. Why did they misrepresent themselves as a XXXX representative on the first call XXXX/XXXX/2016? The ERC representative was unable to provide any verification for the bill/amount and advised it needs to be paid. I advised them XXXX has NO RECORD of an account your claiming is past due. The representative then placed me on hold and provided me with the XXXX XXXX XXXX Fraud Dept Number and advised me to contact them to dispute the matter. So I contacted the XXXX fraud Dept and was told there is nothing they can do since there is no account to access or investigate. 

I called ERC, again who posed as XXXX in the initial call made XXXX/XXXX/2016, and advised them of the issue. They were still unable to provide any form verification of the debt and advised they do not have any original information for the debt, just the amount. I 've requested ERC provide the audio/media from the initial call received XXXX/XXXX/2016, stating they are from XXXX. At which point, the representative hung up. I 've called them numerous times requesting more information for the debt they are claiming I owe and have been addressed in a VERY unprofessional manor and hung up on. 

Please assist as this has affected my credit report and ERC is unwilling and unable to provide any verification of the amount they are stating I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/16/2017 about Vehicle loan or lease (Loan) with MB FINANCIAL, INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I check my credit score regularly on XXXX XXXX. I noticed that my balance for boat loan had increased so I checked my account online and there has been a {$4000.00} fee assessed to my loan. I have made every single payment on time, there has been zero correspondence from the bank regarding a fee, and there is no detail at all on the account transaction to explain this. I have made several inquiries but can not get a human on the phone or a return phone call.

Company response to consumer: Closed with explanation