milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.

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 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently pulled a free credit report from freecreditscore.com. It outlined some erroneous information was previously deleted from my consumer report. It is the same game that that these credit bureaus continue to play. It is fraud and some one needs to actually stop them dead in there tracks! It has a very negative effect on my score and personal life and future endeavors. They continue to sell the derivatives over and over, which effects the sovereignty of the people of this nation and have no honor or accountability in dong so!

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 01/23/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contact this company at least 2 time about this company XXXX XXXX XXXX Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX/ nowXXXX XXXX XXXX still XXXX XXXX XXXX I have tried and my attorney has written a letter to Experian as well as your company Payment Status Details Balance {$510.00} Public Record Summary Public Records 0 Yet i recieved a report for credit from EXPERIAN that there is a Public Record that not true Experian is giving false  accounts of Public Record

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 09/18/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Other fee

Complaint: I have an account with Synchrony Financial that allows for normal purchases and promotional purchases. I spoke with XXXX XXXX, a customer service representative, and XXXX XXXX, a manager. When speaking with them I was initially refused the a copy an updated credit agreement, and then told that it is the bank 's policy to apply payments to deferred promotional balances prior to non-promotional balances, unless a customer calls to direct a payment. Moreover, I was instructed that it could take up to 30 days for them to provide an updated credit agreement. 

By allowing non-promotional purchases to compound at a high interest rate, I feel the company is taking advantage of consumers everywhere. No where in the monthly statement does it say I should call to direct the payment, but they do routinely send reminders to use the card at other merchants. The non-promotional balance carried an APR of 29.99 % while the promotional balances were deferred if paid in full within the promotional balance. When I asked if the previous payment can applied to the non-promotional, I was informed only future payments can be directed. I am also bothered that a manager told me " what 's the big deal and the amount of interest is less than the deferred interest so not to worry about it. '' If this happened to me, and they affirmed this is standard policy then imagine the damage this company causes to people who really ca n't afford it or does n't understand the effect this practice has on their financial future. The damage would be a product of the number of customers times the number of months it would take pay off all.

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 02/13/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (MI).
Issue: Shopping for a loan or lease

Complaint: Someone opened an auto loan in my name and it got charged off. I 've been trying to get it removed from my credit report but Americanot Honda Financial wo n't take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Payday loan) with Razor Capital, LLC (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX AND RAZOR ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' XXXX COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
XXXX COUNTS OF F.C.R.A. 
XXXX COUNTS OF T.C.P.A. 
XXXX COUNTS OF F.D.C.P.A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Consumer Loan (Vehicle loan) with Blackhawk Finance (IL).
Issue: Managing the loan or lease

Complaint: I had an auto loan with a company called Blackhawk Auto Loans. After only 2 month of paying on the vehicle it got totaled. After insurance paid for the amount it was worth there was a {$600.00} balance remaining and I sent a check to them the same week to pay it off. After just trying to get a loan again for a new car they were n't able to because Blackhawk Auto Loans took a very very long time to process the check it shows that I left my auto loan unpaid for over 4 months. Now Blackhawk Auto Loans are no longer in business and the phone number they provide to get information about the company that bought them out is out of service. I can not find anything to help me fix this and my credit is terrible now.

Company response to consumer: Untimely response
Consumer complaint received 01/24/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother added me to her Wells Fargo MasterCard account as an authorized user in XX/XX/XXXX. I never received a card of my own or ever used this account. In XX/XX/XXXX m mother filed a chapter XXXX BK after being laid off from her employment. She however, failed to remove me as an authorized user from this account before filing. Wells Fargo has reported this debt on my credit report since XX/XX/XXXX and continues to come after me for this {$15000.00} balance. I have made several attempts to have WF remove this negative TL from my credit report but they tell me that their records show that I am the primary account holder and that I owe this debt. They are wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a Judgment against me on my public records. The court had entered it wrong so I went back to court and had it fixed. The Judgment now shows Dismissed. So after that I disputed it with Equifax. I sent them a copy of the court record the Judge her self gave me. They as in Equifax said that the copy that sent them was not Legit so they could not take it off my credit report. I than called them and told them that is the exact paper the Judge had gave me. They said that would not work, so I told them to look up on me public records where they get that info from and see it has been fix. The gentleman/supervisor said there is nothing he could do about it and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I received a foreclosure notice in XXXX, 2016 which sparked an investigation on. Y part. They do not have. Y financial history up to do and they are constantly sending me foreclosure notices. I have contacted Citimortgage and faxed all documentation and no one will call or work with me, they just keep sending me foreclosure notices. I now need a higher power to intervene and help me fix this issue.

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 06/16/2016 about Debt collection (Credit card) with CITIBANK, N.A. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: c/card charge off date XXXX/XXXX/2004 this is beyond Oregon State Statute of Limitations to collect the debt was mine, but now beyond collection effort limitations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (IN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Check and Go debt from XXXX. Filed Chp XXXX Bankruptcy in XXXX XXXX, was discharged in XXXX XXXX. Check and Go was listed on the XXXX. I received a telephone call / voicemail in XXXX XXXX from " XXXX '' XXXX ( XXXX, XXXX XXXX XXXX ) stating that they were going to be delivering a summons to my residence and then my job and that I must have a supervisor present. I returned the phone call and indicated that I had filed for Chp XXXX Bankruptcy in XXXX XXXX. They stated that this was a fraud charge and my bankruptcy did not protect me from that. I forwarded this information and the voicemail to my Bankruptcy attorney. Today on XXXX XXXX XXXX, I received a voicemail on my personal cell phone and work telephone from " XXXX XXXX XXXX '' XXXX stating that I needed to contact this number and that the voicemail would serve as " legal notice ''. I returned the phone call and the " Senior legal representative '' stated that fraud charges were being made against me because of the Check and Go debt from XXXX that was included in Bankruptcy. I explained that my bankrutpcy was discharged in XXXX XXXX, asked them not to contact me again at home or at work, and to call my attorney with questions. They stated that my bankruptcy has nothing to do with the fraud charges being placed against me. I explained that I knew this was scare tactic and that I was not falling for it. She insisted that she was forwarding my account to a " locater '' and that I would have to appear in court with my attorney to answer to these charges. I again asked this company to not contact me again regarding this matter. She stated that the phone calls would continue. I disconnected the call. Immediately after disconnecting the call, I received XXXX " Unknown '' calls. I answered, nobody on the other end. This is also harassment in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Equifax is reporting several collection against my social security number I requested full debt validation three times and Equifax have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Account XXXX with no name listed on my credit report for amount of XXXX 4. XXXX charge off account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.

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 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX constantly directed me to do forebearance after I informed them I couldnt pay them the amount they were asking. I was never told what forebearance was and that it would increase my principle, instead, they told me this is the only thing I could do if I could n't pay that month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2014, XXXX XXXX XXXX contacted me and offered to mentor me in my online business as per description of services : Business Entity Setup, Corporate Credit Building and Training Basic and Social Media Pages Buildout & Design Basic. They charged me {$16000.00}. Because the company double charged me on my XXXX XXXX card by {$5400.00} - XXXX XXXX did get the overcharge back for me. XXXX did not perform as contracted, so I requested reimbursement of payment through both Credit Cards ( Citi Bank {$6500.00} ) and ( XXXX XXXX {$5400.00} ). I was informed XXXX XXXX XXXX eventually was accused of Fraud and was shut down. At the time I complained to the banks, they were still open. Initially Citi Bank reimbursed me {$5000.00} but then they recharged me because they said I was too late and they never submitted the claim to the company. I am writing you to request assistance in the return of all my money totaling {$11000.00}. I am attaching all of my paperwork. Please contact me at XXXXXXXXXXXX or call me at XXXX. If you need anything further, kindly advise. Any assistance in this matter is greatly appreciated. Thank you.

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 06/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In my long fight ASC ( Wells Fargo ), the most recent battle is with my Property Insurance. My Agent submitted to mortgage lender to pay insurance as they been paying in the past. Instead, they now refuse to pay it claiming my loan does not have escrow. They have paid in the past including the property taxes for the past years. Now they have issued a for-placement insurance and ( of course ) charged to my escrow.

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 08/29/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.A QWR and NOE was sent to your office on XXXX/XXXX/XXXX on behalf on XXXX XXXX. The lender has failed to respond or acknowledge the legal QWR and NOE. When called the lender confirmed documents had been received

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 02/21/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I have tried to work this out for many years this loan is my second mortgage, but we have been trying to work with Ocwen Loan Servicing our Second Loan. 

Ocwen has put our home in foreclosure with a sale date. We have a first mortgage this loan is in second position. 

They want us to pay them as of XXXX XXXX the payments they wanted in a lump sum of {$290000.00} This second mortgage is constantly putting us in foreclosure. We really need your help. 

They will not work with us. They will not give us a workout for this loan or modification. 

This second mortgage is subject to our first mortgage with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with Kinum, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I answered my phone at around XXXX on XXXX XXXX to an unknown number. The man asked if he was speaking to me ; I said yes. He asked if I lived at X address ; I said no, that was an old address and asked what this was regarding. He mentioned a debt I owed to a health club membership and said that it had been turned over to his collection agency. I asked for my address to be updated and for information regarding the debt be sent to me and told him that I fully plan on paying off this debt. He updated my address and provided me with a reference number and phone number to reach him at. 

He then proceeded to ask me about my employment status and the amount of my rent. I said that I am unemployed ( I have a small child that is totally dependent on me for care ) and that my fiance covers living expenses. He asked how long I had been unemployed and then asked if I was prepared to make a payment. I said two years, I had to quit the day my daughter was born as we do not have any one else to help us with her care, and said that I would like to start making payments in XXXX. I had my debit card out, ready to give him my card number for automatic withdrawals to start in XXXX at this point. 

Instead of closing the deal, the debt collector got really nasty. He started talking about how I have n't worked in 2 years, how I 'm living off of my fiance 's income. ( I actually work very hard as a homemaker and a mother to my child with absolutely zero help or babysitters or family to help, but did not have a chance to explain this. ) At this point, I realized that my particular debt collector was a misogynist, but I tried once again to tell him that I would like to start making payments in XXXX -- again, card in hand. He told me nastily that he could n't wait until XXXX. I said I have no extra funds currently, so he was going to have to. Here is where his misogynistic tactics actually scared me : " We most certainly do not. '' If I had already made it clear that I do n't have the money to make payments this quarter, how does he think he 's going to get the money from me? Does he want a pound of flesh? That 's literally all I have to give right now. I do n't understand how it would benefit him to threaten me like that. Again, I blame his blatant prejudice against women. I was so scared at this point I hung up on him. I need to pay this debt, but at this point I am terrified to call the contact number he gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation