milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Original Institution Capital One which has been deleted from all the credit reporting agencies, XXXX is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete XXXX from credit profile. 

Respectfuly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has confirmed that this account XXXX XXXX XXXX XXXX is both inaccurate, and then incomplete, and has stated that there is nothing they can or will do to correct the problems that are apparent on this file. 

Please note the first XXXX responses, however incorrect from EQ - from, we verified your ssXXXX, name, you own the account and those responses were never the issue I do NOT believe that EQ change the designator before XXXX ( their last file print date ) as I have credits reports for each day up and through the date printed on the final report - and with NO change to the Activity Designator. 

Considering the statement date for this card - and considering that XXXX says they are sending a Closed status - I am unable to be left in the middle. 

The account/tradeline 's Activity Designator is incorrect The account Pay History is incorrect The Accounts Pay History is Incorrect As per FCRA rules, that allow for the deletion of tradelines that are in this state - PLEAS DELETE this account. 


Equifax has reviewed the complaint and its records. We show that you recently contacted Equifax on XXXX/XXXX/2016 via case XXXX regarding the item listed in the complaint. The results of the investigation were sent to you on XXXX/XXXX/2016. The activity designator field on XXXX XXXX account XXXX was subsequently updated to C. This update was undone when the credit grantor made their monthly report of this account. You were also advised that this account is reporting as closed by consumer. Please be advised that the " current status '' of an account is reflected in the status field of the trade line and not in the activity designator field. The current status of this account is XXXX.. Equifax is unable to take further action on the items that you have listed on this complaint. As previously requested, if you have additional relevant information and/or documents, please forward it to us and we will review and/or pass the information/documents to the data furnisher for review

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with J&L Collection Services (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XXXX XXXX if the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! J & L TEAMWORKS Account Number XXXX J & L TEAMWORKS Account Number XXXX XXXX XXXX XXXX Account Number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on Experian and XXXX. I really with this company leave me alone.

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 08/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: capital one credit card is claiming i owe over {$2400.00} on a account i never opened.i looked into identity theft and found out capital one is the one commiting fraud.i asked in writing for the application and transactions for the account.they only sent me a bad copy of an application.that i had filled out for an old account that was discharged in bankruptcy a year before this account was supposedly opened in 2011.i can tell because the house hold income is to low at {$47.00}. i checked my tax return, is should be XXXX.why would i lower my income if i was trying to get a card? and i would n't of gotten such a high credit line one year after claiming bankruptcy.my wife accidently made a {$90.00} payment while i was out of town thinking i forgot to make a payment.that is the only payment i made.and they say that proves its my account.they refuse to send me old applications from the 2 closed accounts to see if they match this one.they have also sent 2 letters from the fraud department claiming the debt is mine.but i noticed they gave 2 different account numbers. **************** and ****************

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Like today at XXXX they called my cell phone and 2 minutes later they called the XXXX while my elderly parents are home taking there medication. I never gave them my that number.

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 07/31/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: APR or interest rate

Complaint: I had made a purchase XX/XX/XXXX from XXXX using my Barclays Credit Card, they offered me a 0.00 % promotion with deferred interest for 18 months. I saw XX/XX/XXXX they had charged me {$610.00} in interest on XX/XX/XXXX, {$30.00} on XX/XX/XXXX & {$29.00} on XX/XX/XXXX. I called Barclays and spoke to their customer service agent, he told me if I pay the outstanding balance he should be able to waive the interest fully and I did ask is it okay if I make the payment on XX/XX/XXXX, and he did say it was fine. So today Being XX/XX/XXXX, I called Barclays to schedule the payment and get my interest waived, they started playing games, told me its too late, and transferred me over to their security department to verify if it was really me because my name is XXXX & its a common name for a guy from XXXX. I even told them if I was someone else I would not be concerned about interest Barclays have charged me, I would not call to make a payment and get it waived. So now I am stuck, I had a balance of about {$900.00}, for which they charged me interest of almost {$700.00}. Please help me get it waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Good day, In XXXX of XXXX I found that the Franklin Collection Service , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MS XXXX, had placed on my credit a notice of collection from XXXX XXXX XXXX for a debt of {$73.00} that is not mine. I contacted them immediately as soon as I found out about the collection attempt. Basically, they are requiring me to prove that the debt is not mine. 

To date, they have refused to remove this erroneous collection attempt from my credit record. What follows is a recent email that I sent to them : '' To Whom It May Concern, On Saturday I received from Franklin Collection Service , Inc. a copy of an XXXX invoice dated XXXX XXXX for an address in XXXX XXXX, Michigan with my name ( or another XXXX XXXX ) on the invoice. Know that I have lived at my current address in XXXX, Michigan for THREE YEARS beginning in XXXX of XXXX. My current address is XXXX hours from XXXX XXXX, Michigan. 

Prior to that I lived in XXXX, Michigan from XXXX XXXX to XXXX of XXXX. Prior to that I lived in the XXXX, Michigan area all of my life. I have never lived in XXXX XXXX, Michigan or even in XXXX XXXX, nor have I owned or rented property there. Clearly someone has used my name to initiate service at an address that I know nothing about. I have never requested service there, signed anything asking for service there or given anyone my permission to do so. 

Unless you are able to produce documentation showing that I initiated service at this address in XXXX XXXX, Michigan you are obligated under the Fair Credit Reporting Act to remove the derogatory information that you have erroneously placed in my credit file. My next act will be to file a complaint with the Federal Trade Commission. 

Thank you in advance for your prompt attention in this matter. Please respond to me within XXXX hours indicating how you wish to proceed. If I hear nothing by the end of the week I will file my complaint. " At this point I am frustrated as I am also attempting to secure a mortgage and this issue is causing significant problems.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am trying to get a state tax lien off of my credit report, it is already paid off and satisfied and is preventing me from getting loans and credit in my name.

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 08/22/2017 about Debt collection (Medical debt) with Dynamic Recovery Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They told me that I could not receive my date of service so that I could verify that the debt has not been paid. They then said they could request it, but only if I paid the full amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: NOTE- this is separate from my other complaint with the CFPB re: FedLoan, that is currently in progress. 
On XX/XX/XXXX I logged into my FedLoan account to schedule my XX/XX/XXXX payment (due XX/XX/XXXX). My account stated that my account was overdue. Confused (I pay my monthly, income-driven repayment amount of $XXXX each month), I read further. A random amount of $XXXX was applied to my account. This makes no sense- I am in the Public Service Loan Forgiveness Program (PSLF), meaning I pay each month through the income-driven repayment plan, which is determined annually when I submit paperwork. Last year, based on income and family size, my payment was determined to be $XXXX/month, XXXX - XXXX. I have no clue where $XXXX came from, and it was never reflected on my monthly billing statement. I called on XX/XX/XXXX and spoke to XXXX (employee # XXXX). She shared my confusion; she put me on a long hold and tried to determine where this charge came from, but couldn't determine it. She stated it was 'odd' and she hadn't seen a charge be randomly applied. She firmly stated that I pay the correct amount (for XX/XX/XXXX, it is $XXXX, and in XX/XX/XXXX my new income-drive repayment plan based on my recertification paperwork will be $XXXX, effective XX/XX/XXXX - XX/XX/XXXX). She advised me to pay 'what I actually owe based on my income-driven repayment plan' and she would put a note in the system. She also said she would send it to investigations. As of today (XX/XX/XXXX), my account is 18 days past due. I received a notice of my delinquency. I called FedLoan again and they said it was still in investigation, and that bad credit reporting won't occur until 90 days. They again reinforced that I should pay what I 'actually' owe and that the mysterious $XXXX should be resolved in 90 days. I am concerned it won't be- I have very good credit, and have worked hard for that score. I am mindful of all bills and have never paid a bill late, FedLoan and others. I do not want my score to be harmed by this issue with FedLoan. The employees cannot explain how this random charge dropped on my account, but they assured me it will be removed. I, however, have experienced multiple issues with FedLoan, particularly in the past year. I am very concerned. XXXX, the employee I spoke to on XX/XX/XXXX noted that my account appeared 'perfect,' meaning I always submit required paperwork on-time and pay my monthly bill. I am very concerned this account will harm me, despite doing everything right. I fear as I approach the end of 90 days, I will be forced to pay an amount I don't owe, or face a ding in my credit score. This isn't right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: This company has engaged repeatedly in making unauthorized credit inquiries and continues to hide behind alleged authorizations that do not exist. The most recent occurrence was in XXXX 2016. I made no applications for a loan with this company in XXXX 2016, nor did I authorize it or its agents to review my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (IL).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: They did n't tell me that they was going to charge me 100 % interest had me to pay back doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (VA mortgage) with Prospect Mortgage, LLC (NC).
Issue: Credit decision / Underwriting

Complaint: I applied for a IRRRL loan through CapWest Mortgage ( - A division of Prospect Mortgage located on XXXX XXXX XXXX XXXX XXXX, CA XXXX, Branch XXXX # : XXXX ) on XX/XX/2016. The loan officer convinced me that I would benefit from a Cash out Refinance to cover some of my debts instead of the IRRRL or streamline loan for which I had been approved on the spot based on my credit score. An appraisal was ordered for which i paid. I was told the appraisal amount and advised to sign the Acknowledgment of Receipt of Appraisal Report quickly so that they loan can be locked. This is not only strong arm tactics but I think the company owes me a copy of the appraisal report. 

Secondly, the company dragged my application from XX/XX/XXXX when I first contacted them till XXXX when my application was first submitted to their underwriters. In today 's market I can no longer get the kind of interest rates for which I was qualified ( 2.9 % ) XX/XX/2016. If my application was processed efficiently and denied accordingly, I could have had enough time to apply for a better rate with some other company before the rates went up. 

Thirdly, only XXXX credit agency was consulted before the underwriters rejected my application for a high debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (GA).
Issue: Problems when you are unable to pay

Complaint: TD BANK N.A . has continually reported the wrong first date of delinquency to XXXX. They are reporting the date of first delinquency as XXXX 2010. I have disputed this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with JPMORGAN CHASE & CO. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a dispute letter to TransUnion asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankruptcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So TransUnion lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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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 10/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: American Express XXXX skymiles card never refund me the money I over paid, and they cheated and held my money for 4 months saying they have sent me the check. I requested 3 times for the refund check and still have n't seen it!!!!!!!!! 
I have lived at my current address for 1 year now and never have a single problem with receiving mails or anything!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.

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 09/19/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Trouble during payment process

Complaint: I bought a house thought XXXX XXXX Bank Home Mortgage on XX/XX/XXXX, on XXXX XXXX XXXX XXXX, XXXX AZ XXXX, they set up a bi-weekly payment for 2 payments {$500.00} each, every 1st of the month and every 15th and I was never late.. all of a sudden I received a letter from US BAnk XXXX stating that the loan was sold to XXXX Home Mortgage. I called USbank today ( XX/XX/17 ) to find out what was going on and to set up and continue the bi-weekly payment, I found out that they did n't have the cell phone number I have for 12 years, but one really off and no email address on file. Therefore I was never contacted. They said that they do n't have bi-weekly payments and that my due date for the full amount {$1000.00} is on XX/XX/XXXX .... Since this took me by surprise I ask them for a month period of grace to start fresh and be able to pay on time. They denied me that grace period. i do n't have the full amount because I have all my bills set up in a way that i divide them between theXX/XX/XXXXhecks I receive from work ... I will be late on my mortgage and I making a complain because : 1- they did n't notify me. 2- USbank did n't have my information on file. Therefore they owe me at least a month period to came up with the full amount and do n't be late ... My name is XXXX XXXX cell ( XXXX XXXX XXXX. USbank loan # 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 08/27/2015 about Credit card () with Consumer Asset Management (Texas) (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/15 I received a phone message from XXXX XXXX to call XXXX about a credit card matter that, if not resolved, would result in a lien placed on my house. I called, she passed me on to the atty, XXXX XXXX @ XXXX. He told me I had a XXXX XXXX in arrears for {$43000.00} and could resolve the matter by paying him {$3000.00} on my credit card. I do n't have a XXXX XXXX. I did not pay him. Instead I told him that I was reporting this call as a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation