milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After the investigation the same results continued with a negative report from debt buyer, XXXX XXXX, formerly XXXX XXXX XXXX, concerning cut-off procedures that the wrong credit account, XXXX XXXX XXXX XXXX also a debt buyer, formerly XXXX XXXX XXXX, engaged in in XXXX XXXX, 2015, after receiving payment that belonged to XXXX XXXX ( also XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did n't send the ACH money back to the consumer since I owed nothing on that credit account, but they transferred it belatedly to the debt buyer, XXXX XXXX, which made my account delinquent and accrued late fees and default interest fines. I received credit a few times, but the error continued. My phone calls to a sales force, and my Emails to the XXXX XXXX XXXX, and my written correspondence to XXXX XXXX XXXX went unanswered. When I could not figure out what I owed I stopped paying my credit account held by XXXX XXXX, that has no documents or a signed agreement from me. I am on XXXX, and it is against the federal and state laws for them to try to collect on the account as a debt buyer. Equifax is aiding and assisting the debt buyers, XXXX XXXX and XXXX XXXX XXXX XXXX, hence XXXX XXXX XXXX in the scam and racketeering because of the proximity to their administrative and internal controls that lead to the toxic bullying and emotional distress, and continued collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Payday loan debt) with United Check Recovery Bureau, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I got an e-mail from American express on XX/XX/XXXX inviting me to apply for XXXX XXXX XXXX credit card and get XXXX XXXX miles welcome bonus if I spend {$1000.00} or more within 3 months. I got the card approved. I activated the card and checked about the bonus. I was told I will not get the promised XXXX mile bonus even if I spend over {$1000.00} within 3 months as I had gotten a similar bonus previously during XX/XX/XXXX. 
I read the e-mail and all conditions for the XXXX mile bonus. No where it says that those people who had previously gotten bonus are not eligible. I talked to American express customer service rep. She said that it is the company policy even if it does not state anywhere to the customer. This means American express knew that I will not get the welcome bonus and still sent me an e-mail promising the XXXX miles bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. TransUnion and XXXX have the account still open. On the invoice it has the check bad in XXXX of XXXX and it 's been reaged to XXXX XXXX. XXXX, XXXX, and TransUnion have it reaged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently disputed some fraudulent accounts with the credit reporting agency equifax and the information was deleted, now almost a month later it is reappearing on my credit report. 
These were the accounts that were deleted and removed from the report I received on XX/XX/2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and were opened in fraud ... XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Mortgage (Reverse mortgage) with JAMES B. NUTTER & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This homeowner has had some issues with XXXX XXXX XXXX in reference to some home repairs that were to be done according to the homeowner the bank contracted their own contractor and paid them I have receipts. The homeowner is a XXXX and is devastated. Please help us to help the homeowner retain his home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The bank that holds my mortgage is showing my account as 30 days late from XXXX 2017. I explained to them that it was an error on their part but they did n't reflect my account in good standing. I take pride in making timely payments and wou me appreciate your help with this matter.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Im having a hard time getting my free credit report from XXXX they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to XXXX i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.

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 06/19/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I received a " FULL SATISFACTION & RELEASE OF JUDGEMENT '' from the circuit court of the county I lived in, at the time for an account I settled with them for an HSBC credit card. A month later, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating I had a balance to settle with HSBC and they threatened taking me to court and garnishing my wages. I panicked and settled the account with their office. I had XXXX different credit cards from HSBC and figured it was for the other XXXX. 
A few months after that, and just a couple months ago another agency contacted me trying to collect on this same account. I had the release of liability from XXXX XXXX XXXX that I was able to fax to them so that they would cease and disist on further collecting on this account. 
Now, an office is trying to collect on an account with HSBC that I never had and does n't even appear in my credit report. 
That lead me to dig up all my papers and look into whats going on. 
This is how I just noticed that the account I settled with the circuit court and the account with XXXX XXXX XXXX was for the same account! I called the law office from the first time it was collected through the circuit court, and the lawyer told me that I should contact XXXX XXXX XXXX and demand my money back and that if they would n't comply I would need to get a lawyer. 
How is it that anybody can get this information and con people into paying it again? Like I said- few months ago another agency tried collecting on this account yet again from another supposed collection agency. This has been taken care of twice, to my dismay, and twice more someone has tried to collect on it again. 

I had a lot going on at the time, when I paid the account off for the second time, so it did n't even click in my head to check if it was the same account or the other XXXX I had with HSBC. And with the threats, it made me panic and just want to get it over with. I 'm hoping to recover what I paid the second time around, because it had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm logging my official complaint with the CFPB regarding the Equifax data breach and their handling of it i.e. delay in notifying consumers and/or the proper authorities about the leak, improper/ineffective response to the leak in supporting consumers affected by the leak, and an outright disregard of the consumers they 're expected to protect. 

At present, I have no way of knowing how my information has been compromised in the slightest degree. I am faced with preemptively securing my identity and my credit from improper usage. This has taken hours of my time so far and will continue to require untold hours to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed a debt line on my credit report for a collection account. It apparently belongs to Portfolio Recovery Assets, with whom I have never been in contact with or know. I have no contracts with them nor understand who they are. I disputed the reporting on my credit reports, and their " verification '' was a printout that was illegible with what was supposed to be my signature. They have absolutely no proof that I have any account with them or how they came to the amount they claim I owe them. This is seriously impacting my life as it has ruined my credit. I want them to remove this from my credit report immediately and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Both my parents have died and the mortage was in both of there name my Mom passed in XX/XX/XXXX and my XXXX passed XX/XX/XXXX I was living at the residence and paying the mortage payments since XX/XX/XXXX. I feel behind due to having XXXX i tried to call to make some arrangements tried to make a payment they returned it. Tried calling they will not talk to me about it. I tried telling them my parents are deceased they will not talk to me about the loan. Im trying to save my family home its almost paid for and looking for a loan modification to catch up. There is much Equity In the house.I need help. My dad did sign the Deed over to me but he remarried and she was the witness to the switching of the Deed. I can not locate her and XXXX will not help cause he was XXXX at time of death. Looking for bank to work with me on keeping the home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: This is the most unprofessional unreliable non-trustworthy Mortgage Company I have ever had the displeasure of dealing with under any circumstances. ( 1 ) My loan was sold to Shellpoint, and I asked to change my due date so I could pay on my pay week and they flatly refused, which causing me to have to pay late monthly. 
( 2 ) I checked my payment history with a representative and was told all my payments were up to date in XXXX. Two weeks later I was told I owed for a missed payment back in XXXX. I did not recollect it, and was told everything was up to date. The representative told me he would review it since he told me the wrong information. a Month went by and I decided to pay the present and past month, although no one contacted me. 6 weeks later I was told I owed an additional month. I paid it and then found out your company turned in payments as being late to the credit bureau x 2 months while they were so called reviewing it. I would like to request that this data be removed from my credit account. The other problems are that every time I speak to someone in customer service, They give me the wrong information. These people are rude at times, hang up on the patron regularly and straight out either lie or are unknowledgeable regarding their jobs, which cause problems for the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have advice Portfolio Recovery that I have never had a XXXX account and request that validation be provided showing proof of my signature, Portfolio Recovery ca n't provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have repeatedly sent request to XXXX, Experian and XXXX that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.

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 08/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have had issues with Navient over the years and issues with my loans. One of the biggest issues I have had is repeatedly getting misinformation from the loan servicer. In one of the most recent conversations I have had with Navient, I kept asking which bank or loan provider gave me my loan. Navient will tell me that they do n't know and to call the Department of Education. When I call the Department of Education, they keep saying Navient. When I would call Navient back, they would say, " No we are the service provider '' which I have known. After this I would say, " O.K., Since you are the service provider, who are my loans through '' and they never seem to know half the time. At the time of the origination of the loan, the information has not always been on Navient 's site or the NSLDS right away. The school does not tell me either. I feel that this is being done intentionally to keep me in the dark so they can re-sell the loan and add fees. I believe that this is a type of " churning '' of my loans. In other industries, this is illegal. I also feel that there is " detrimental reliance. '' I am given so much misinformation about my loans, it is affecting my interest rates, credit reporting, etc. I am being charged thousands of dollars over what I should be due to bad and misinformation by my service provider Navient. If you pulled up my taped conversations with Navient, you would find this out ( they tape their phone calls ) Another complaint that I have is that I feel that Navient is purposely giving misinformation to collect more fees. One girl kept telling me that on my private loan, I could pay XXXX to " get out of paying '' the loan for three months ( I was having major medical issues at the time. ) What I was not told at the time was that they turn this into Capitalizing Interest which costs about XXXX over the course of the loan or maybe even more. 
The financial aspect of Navient is very interesting. I feel that they are not disclosing the complete terms and conditions. There have been different occasions where I have told the phone agent not to do something and they will do it anyway and I have to call back and insist on speaking with a supervisor. This goes on and on. I have had so many problems with my student loans is it not even funny. 
I feel that I will be robbed of my future due to all of the issues with my student loans. I feel that there should have been more information about the loans and complete information so I could be better informed and make better decisions. There is so much pressure from the colleges to take the loans out and " complete '' you degree. I am very frustrated by this and feel that my education is costing me my future and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The harassment is the defiance of telling them not to call company phone ... because I am a XXXX and the boss has told us not to answer non delivery calls because it interferes with safety. The ey have not obeyed our demands. The part that challenges me is that they call me on my work phone and usually it 's every day XXXX more than 3 times a day. The last straw is that demanding tones of coming in to make payments on their terms. They are demanding me to make commitments to pay that totally do n't meet my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to pay my mortgage payment early and Specialized Loan Servicing LLC wanted to charge me a {$10.00} penalty for doing so! I wanted to pay using my bank account. They said I would have to go thru XXXX XXXX to do this, which has a charge! Paying early incurs a charge??? Let 's put a stop to this abusive practice!

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (FL).
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: VW Credit is incorrectly reporting date of activity on my credit report for Husband,  XXXX , and NOT MINE. My date of filing was  XXXX / XXXX / 2015  - Date of discharge  XXXX / XXXX / 2015 . VW Credit in violation of Chapter  XXXX  discharge reporting late after filing date. They are also in violation of FCRA and FDPCA since this has been reported several times and VW credit continues to refuse to correct the error they say they are correct and in their validation still show the wrong dates.   XXXX  At this point they are clearly indicating the error - see #  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Transunion to remove these inquiries from my 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 non-monetary relief
Consumer complaint received 02-05-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This. company National Credit Systems appears on my credit report for {$390.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation