milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account fromI C SYSTEMS COLLECTIONS # XXXX. I had previously disputed this account. I have never done business with I C SYSTEMS COLLECTIONS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.

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 05-06-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Green tree demands that I pay XXXX XXXX to get my payment to them every month.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: BBVA Compass bank purposely places online deposit limits onto your account so that you can not put enough money into your account to pay your mortgage. Also, mishandles funds which result in overdraft fees. Mishandles checks and says they do not process because of lack of funds, which is not true, requests another check, then cashes both, which results in overdraft fees. Online banking updates are misleading, they update the mortgage payments online but while delaying updates to checking accounts which is also misleading and leads to more overdraft fees. Incompetence at all levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Problems when you are unable to pay

Complaint: I have a loan with Well Fargo Bank.. my car was repossessed on Tuesday XX/XX/2017 I totally understand that I was behind in my payment and my payment history was not the greatest. But I have the money to pay the back payments and they refused to take it and suggested I pay XXXX then I can get the car back ... I want my car ... I called everyone and they had me on hold for a total of 4 hour within three days and they said they can not reverse it,,, I know I made a mistake but I need my car and I have the means to pay and continue to pay. 
Please help me,,,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am looking at my Equifax credit report. On all of my revolving accounts there is a note stating " Amount in high credit, is credit limit charge ''. Which is inaccurate information reporting to my Equifax credit report. All of the credit cards are at 10 % -30 % of limit and are paid down to XXXX balance by due date. Because of this noted statement on my report, it is affecting my score. Please remove this inaccurate statement. 


Revolving Account Number : XXXX XXXX Payment Responsibility : XXXX Authorized User Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : Monthly Payment : {$20.00} High/Limit : {$1400.00} {$1400.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} Comments : XXXX Show Details XXXX Equifax XXXX XXXX Account Type : XXXX Account Number : XXXX XXXX XXXX Payment Responsibility : XXXX Date Opened : 03/2017 XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount : {$81.00} {$81.00} $ XXXX Monthly Payment : {$0.00} High/Limit : {$500.00} {$500.00} {$500.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} {$0.00} Comments : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a XXXX XXXX XXXX XXXX. I stayed at the XXXX XXXX, a XXXX property and checked out on XX/XX/XXXX. They charged my card {$310.00} which was correct. But then on XX/XX/XXXX, they hit the card for {$520.00} which is incorrect. The same thing happens on XX/XX/XXXX. I check in they hit my card for {$520.00}, I check out on XX/XX/XXXXand they hit me for the correct amount of {$410.00}. So there are two charges of {$520.00} that should not be there. I call XXXX, they advised me that they did not submit the two incorrect charges of {$520.00}. I call XXXX on XX/XX/XXXX ... after 45 minutes on the phone, they advise they will credit both charges and launch and fraud investigation. I get an email the next day ( XX/XX/XXXX ) a document that does not reference the prop XXXX from XXXX. I call XXXX again, they conference in an investigator ... they have closed my old account and sent me a new card. They said they will credit those two incorrect charges as it was not done on XX/XX/XXXX and find out what happened. I get my new card and activate it today. The two charges have not been credited and I can see no transaction history since my last statement on XX/XX/XXXX. I call again today ... they stated they do not know what has happened but will credit my account and launch an investigation. I have over two hours invested in this and they dont have a clue.

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 03/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Because of the constraints placed on me to retrieve and the report issues on my credit report - this method allows me to do so without 4 additional steps. 

1. Equifax has independently added verbiage to EVERY Revolving trade line on my account - inaccurately. Each trade line now has remarks = " Comments on Account : Charge, Amount in XXXX column is credit limit '' There Comments were NOT provided by the credit grantor, in any instance, and render the account inaccurate. 

2. According Equifax 's own Website, " High Credit '' is = " Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed. '' The Actual website address for equifax 's glossary is XXXX 3. The amounts in Equifax 's views/credit reports =- populating the HIGH CREDIT field - are inaccurate and NOT what each Credit Grantor has provided to Equifax as part of their monthly reporting. From the credit report - the " High Credit '' dollar amount displayed on all NON installment Trade Lines - is inaccurate. It must be stated that all accounts have provided a Credit Limit, as required by XXXX XXXX XXXX. Examples are attached. 

Equifax , please delete the comments you ( Equifax ) added on ALL of the revolving Trade Lines. Please also ensure that the HIGH CREDIT amounts displayed, are actually populated accurately and as intended. ( Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed )

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no idea what the debt is they are trying to collect. I have attempted to contact the collection agency, and the original creditor and have received no response from either. I have requested it be removed from my credit report and am just being ignored on all angles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Payoff process

Complaint: I had a 0 % interest rate on a Discover Card, which expired on XXXX/XXXX/16. There is an existing 0 % rate, which expires on XXXX The card has never been used for purchases since I obtained these rates ; thus the only balances on the card are the expired rate, currently in the amount of {$7100.00} at 15.24 % and {$3600.00} at the 0 % rate. I have consistently paid well above the minimum payment due ; yet, the amount over the minimum rate has not been applied to the interest-bearing balance, most of which has been applied to the 0 % rate. 

Consequently, my 0 % balance has gone down, while the interest-bearing principal has remained at roughly the same amount or increased. This is contrary to similar situations on other cards ( XXXX XXXX, XXXX ) in which the interest-bearing amounts have gone down consistently, along, with the 0 % rates. I have consistently called Discover to inquire about this and have been told that interest is accruing on a daily basis and that the interest-bearing principal is consistently increasing. Again, I never use cards which have promotional rates for purchases and my interest-bearing principal on other cards with expired rates has shown marked decreases ( even those with higher interest rates ). 

My understanding is that anything paid above and beyond the 0 % rate is applied to the interest-bearing amount. Again, my other cards with expired rates show marked decreases in interest-bearing amounts, while Discover Card apparently applies a different protocol. I would appreciate having the CFPB look into this matter so that I can determine if I am mistaken or if DiscoverCard has found a way to keep the interest-bearing principal as high as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off 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 11/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get numerous calls per day from midland credit management. No one will be on the call. If I make a payment they do not update the due date and continue the calls. I am receiving hundreds of phone calls a month I will n glad to provide cell phone records to detail the extent of the harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My student loan was sent to a collection agency in XX/XX/XXXX. 
I have been making $ XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called Transworld Systems , Inc., the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my XXXX, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from Transworld Systems , Inc, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told Transworld, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just XXXX month of no payment since outrageous. Further, it is unclear if XXXX XXXX, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Was approved for a loan, but didn't receive the money

Complaint: Applied onlin e at AdvanceAmerica   XXXX / XXXX / 2017  Approved - ema il stated Voice call w ould be necessary to complete transaction Did not accept voice calls Received Email stating Funds were to be deposited on  XXXX / XXXX / 2017  Funds NOT deposited however I still maintain an outstanding bill Emailed company back - have had no response, yet account still shows open ( simple call to be the bank and they could verify funds WERE NOT deposited )

Company public response: Company believes complaint is the result of an isolated error
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. (CO).
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 have been working extremely hard to raise my credit rating since a major natural disaster flood impacted my family and destroyed my credit in XX/XX/XXXX. Prior my credit was XXXX. Dropped to XXXX. Finally got it to " good '' XXXX in summer XX/XX/XXXX. Suddenly without explanation it dropped to XXXX and Fair rating. I called Transunion immediately after carefully reviewing my credit report and finding nothing wrong. I carefully went over all my credit cards to make sure no problems, none. The balances were lower in XX/XX/XXXX when my rating dropped than when it was higher. Talked to mortgage company, all ok there. Nothing discernible anywhere that would drop my score. Called Transunion again. They said a supervisor would call me back. I rescheduled my work day and waiting in my office for their call. They never did. That happened twice. Called again. Talked to a supervisor 's supervisor. They told me to call XXXX, it was their problem. XXXX said it was Transunion 's problem. Back and forth they sent me. I finally said I would not continue to spend many additional hours on phone. Had spent over 10 hrs talking to Transunion. According to XXXX, my credit utilization percentage is lower, I had no inquiries, no missed payments and an excellent 26 yr length of credit. All good reports. My credits cards are still high from the flood recovery but all are lower than previously when my credit rating was higher? Both Transunion and XXXX would not do anything and could not explain what dropped my score. I finally called you. Pls help me find out what has happened and why? I am about to retire and need to refinance my home to keep my home. I can not do that with a " fair '' credit rating. I have worked diligently to pay all on time.I am XXXX yrs old and am wondering if that is a influencing factor in XXXX and Transunions actions? Thank you, XXXX XXXX

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7300.00}, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}

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 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student load debt through Navient is {$55000.00} ( principle plus interest ). I asked them if I pay the principle amount, in full, will they forgive the remaining interest. They told me no. They said I have to pay the full amount. They were not willing to negotiate at all. I believe this is unjust and unfair. Note***My principle amount is around $ XXXX. Can someone please assist me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Requested to have PMI removed from Wells Fargo when the LTV was below 80 %. Home was purchased in XXXX and appraised for $ XXXX. Requested to remove PMI in XXXX and an appraisal was requested. Appraisal came in with a value of $ XXXX considerably lower than purchase date. Appraiser did not use appropriate comparables and valued the home well under the neighborhood value. After much debate with Wells Fargo, we requested another appraisal to remove the PMI which took place in XXXX. Wells Fargo had the same appraiser come out to evaluate our home. This time, the apppraiser valued our home $ XXXX. We provided the appraiser with appropriate comparables, XXXX being our immediate neighbor and neither comparable was used. I feel as though were being misrepresented by Wells Fargo as they chose the same appraiser twice, even when we requested a different appraiser. After we were denied our requests with Wells Fargo we were forced to refinance with another company. We refinanced with another company on XXXX and our home was appraised for $ XXXX. We had paid months of PMI payments that were not needed and a second appraisal fee.

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