milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed a lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX and following that we were harassed by neighbors and maintenance crews due to my XXXX orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on XXXX XXXX, XXXX and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from XXXX XXXX XXXX in XXXX, Florida in the amount of {$2700.00}. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of {$2700.00}. It showed up on my credit report as a debt to original creditor in the amount of {$2700.00}. Later the original creditor employed FIDELITY XXXX in XXXX, California XXXX XXXX. XXXX XXXX XXXX, California XXXX / Telephone ( XXXX ) XXXX / Fax ( XXXX ) XXXX / XXXX XXXX XXXX - Legal Department EXT XXXX. 

My account was XXXX XXXX APARTMENTS / Account # XXXX XXXX XXXX, XXXX - The collection agency requested {$3500.00} to settle the debt of {$2700.00}. These funds had to be in their office same day XXXX/XXXX/XXXX to fullfill the case. On XXXX/XXXX/XXXX They demanded {$4200.00} to settle the exact same date PLUS interest of XXXX cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the {$2700.00}, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of {$1200.00} and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A XXXX HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. 

I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. 

Should you have any questions or need additional information, please contact me at the following : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX ( T XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Settlement process and costs

Complaint: This is an email I sent to XXXX that explains what has happened with XXXX as well as Calibur Home loans not resolving the issue : Hi XXXX, I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that XXXX sent. The next document is the XXXX from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from XXXX was received at the County on XXXX/XXXX/15 and the XXXX Title XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to XXXX asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that XXXX processes XXXX XXXX XXXX 's taxes for them. 

I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else. I have also copied my loan officer on this email so if you could " reply all '' that would be helpful because she is trying to help me resolve the situation. 

Thank you, XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST CALIFORNIA MORTGAGE CO., INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX  XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX XXXX Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and Brand marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and Gearing factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX factory in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX XXXX Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX Frauding scams using XXXX IDs and business permits frauding using XXXX birth certificate

Company response to consumer: Untimely response
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates, which i hold no contract with & have never had any business affiliations with, reported a collection to y social security #. A debt in the amount of {$690.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Portfolio Recovery Associates have failed to respond to my request. And have yet to give any adequate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I attempted to speak to someone regarding the inaccurate and invalidated debt they were reporting to the credit bureau. The customer service representative threatened me by using obscene and profane language repeatedly when I tried to explain to them that someone at IQ data advised the landlord to type up a letter after I submitted my complaint and claimed to have mailed the demand letter to me when they never mailed any notice letter or any itemized list of deductions. The said that I was committing a crime and they would be filing a civil lawsuit to garnish my wages to collect the debt. 
The representative claimed that I would be arrested if I did not pay the debt I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: In XXXX I signed up to attend University XXXX XXXX XXXX. I placed a loan for XXXX. Unfortunately due to unforeseen circumstances, I had to withdraw. I was told that if I withdrew before the time frame, I would not owe the grant I received ( I already knew I was going to have to pay back the XXXX ) in XXXX, I received a phone call from a lady telling me she worked with XXXX XXXX and she was calling in reference to my accounts. I told her I only had XXXX account and she proceeded to tell me " no you just must not remember but you have XXXX. '' I know what I had since I did n't attend long. She kept telling me that I had to consolidate and there was nothing else we could do. I kept telling her that i did n't want to consolidate as i only had the XXXX loan. She repeatedly kept pushing me telling me that this was the only option otherwise they were going to take my taxes for a very long time. Finally i agreed to consolidate. She told me i had to send a certain amount of payments and then before i send anything else after those payments, wait for my coupon book to arrive. The coupon book never arrived and XX/XX/XXXX, my taxes were taken in the amount of XXXX. I am a mom of XXXX and live paycheck to paycheck as it is. I know that i did not have XXXX loans from XXXX XXXX. Now that they have changed their name, they are again telling me i had another loan " I must have forgotten about '' how are they able to do this????

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX XXXX, in XXXX I consigned on a student loan for my nephew, XXXX XXXX XXXX, to attend So XXXX XXXX College. In XXXX XXXX, XXXX called the lender for a payoff quote, and was given the amount of {$5000.00}, a payment for that full amount was immediately mailed. Now, 4 years later, Naviant is claiming the check was applied to the loan as " paid ahead '' leaving an interest balance of less than {$130.00} which has now accumulated to the amount of {$370.00}. This company has recently reported a negative 4 year overdue balance to the credit bureau, and now my outstanding credit rating which was ( XXXX ) has now been reduced to the poor rating of ( XXXX ). I have never paid a bill late in my life, and consigning is something I do n't I do without great consideration and monitoring. Believing that this loan was paid off, and the fact my credit rating was n't affected until now, as well as not receiving any communication in the last 4 years regarding this matter, prevented us from rectifying the situation before it got to this point. 
I have made several attempts to appeal to Naviant representatives over the last two weeks, that this account was paid in full in XXXX, I have asked to speak to supervisors and their legal department, but they continue to stand their ground. I believe this company is pulling a batch and switch, by quoting one amount, then continue to add interest before applying the funds to pay off the loan, then holding the account open while the interest continues to accumulate, thereby charging additional funds for their profit. If this was n't the case, then why want they settle this matter reasonably, and notify the credit bureau and return my credit score to it original standing. Their exact reasoning is the amount of {$5000.00} was considered a payment in advance, or that the account was paid ahead, not in full. Our standing is, why would we pay {$5000.00} and leave a balance of less than {$150.00}, and make no attempts to pay off that small balance over a 4 year period. This is obviously a scam being pulled to extract additional monies from unsuspecting students, parents and consigners. I am requesting your assistance in resolving this matter expeditiously as this situation with my credit rating, as of now is preventing me from conducting business as planned. 
Please contact me regarding this matter @ XXXX, or email XXXXXXXXXXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for Experian social security and credit protection. I submitted {$5.00} via debit card to Experian to allow XXXX XXXX XXXX XXXX XXXX XXXX ex XXXX ) to verify my credit score Experian told me that my account would be open foe 90 days until XXXX XXXX, 2016. XXXX XXXX of XXXX XXXX XXXX could not access the account to verify my credit score. Experian then told me to have XXXX call a number XXXX credit file services that never replied to XXXX. I then had a conference call with XXXX and Experian and the Experian person told both XXXX XXXX XXXX and myself that within next XXXX hours XXXX XXXX XXXX could submit request for verifying my credit score. Once again Experian rejected the credit verification. The remaining option is to pay Experian {$15.00} to fully release my account from being held hostage. IF THIS IS HAPPENING TO ME it could be very well happening to millions forcing the {$15.00} payment for release of account. If this is not a systems and procedural failure by Experian then it may be potentially something more serious worthy of investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I came to the United States legally XX/XX/2016. I have a debit and savings account with XXXX. I applied for a credit card and XXXX refused my request. Experian 's credit report presents information that is not mine and is prior to my arrival to the country : many accounts appear in poor condition as well as accounts in good condition. I only have XXXX credit account with XXXX, which appears in the report and it is in good condition. I want to build my credit, I pay my unique account on time and completely, but this situation affects my whole family

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 Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, WI failed to Bill Medicare within the 1 year limit for services. They have turned the account over to Transworld Systems Inc. for collection despite my providing proof from Medicare that this was an error their part.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have asked Transunion to update info, they stopped on XXXX 2015, it is now XXXX, we have made all payments on time, please help with XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX XXXX, I entered into the XXXX XXXX XXXX XXXX, so that they could act on my behalf while resolving all my debts. Since then, I have continuously paid the agreed payment plan totals to each collection agency. As of XXXX XXXX, I have completed the program because I successfully paid off my accounts ( bringing all balances to {$0.00} ). 
I am a single mother to a XXXX child and have worked hard to correct my credit and establish responsibility. This is so that I may provide a stable life for my child. However, I reviewed my credit score and was unhappy with it. I feel that reporting agencies failed to update my information correctly. Also, it shows my accounts as " charged of-unpaid '' which is negatively impacting me. All my closed/open accounts had had monthly payment arrangements that I honored. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX-I attempted to place a credit freeze on my XXXX  account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

Experian- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NE).
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: Did not ask for and do not want a Cap one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The year XXXX of this year where my information was stolen from different sources that uses XXXX and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.

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 09/16/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have submitted a request to the credit reporting agency Equifax disputing the medical collection account and have made several calls to XXXX collections requesting they forward information on the debt they claim I owe since XXXX XXXX. I have not been successful on correcting the issue and resulting on negative effects on my credit report.

Company response to consumer: Closed with explanation