milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with All State Credit Bureau, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is  already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
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 disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!

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 05/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has placed an erroneous collection ( s ) on my credit file involution of the FCRA and XXXX identified as XXXX REPORTED ON XXXX XXXX, 2016 OPENED XXXX XXXX, 2016 with no account number nor a point of contact for this debt. THIS IS NOT MY ACCOUNT AND I DEMAND THAT IS REMOVED! 
I believe this is a form of retaliation for filing my complaint ( s ) with the Bureau of Consumer Financial Protection. I have incurred damages from the constants negligence from denial of credit and having to pay for fraud protection from a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: HEALTHCARE COLLECTIONS L XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Has XXXX collections against me for services provided by XXXX XXXX. 
1-XX/XX/XXXX for {$120.00} 2-XX/XX/XXXX for {$3700.00} Both charges were not to bill me but directly bill XXXX XXXX My insurance was in place from XXXX to XXXX XXXX XXXX. 
The hospital failed to file in a timely manner and are now sending to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and XXXX XXXX ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). 

However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from Debt Recovery Solutions , LLC, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as XXXX XXXX. XXXX XXXX is one of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with XXXX XXXX. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage on the home that my ex-wife and children live in was finally modified under what I believe to be the XXXX Program. I say finally because we attempted either XXXX 4 times over multiple years to get a government sponsored modification from XXXX XXXX XXXX and ran into issues such as " lost paperwork '', incorrect information and possibly outright lies and mail not being received that was supposedly sent by them. The modification was eventually finalized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. XXXX days later on XXXX/XXXX/XXXX, this mortgage note and the loan servicing rights were sold to Fay Servicing. The issue is that to this point Fay Servicing is not recognizing the fully completed and executed loan modification contract which is causing both my ex-wife and I significant problems. They have incorrectly reported false information to the various credit reporting agencies while they had the correct information available to them, thus causing XXXX loss of a significant opportunity as well as damage to XXXX my ex-wife and I in general. In response to our numerous requests to have them correctly recognize the completion of the loan modification as well as removing and/or reversing the false reports to the various credit agencies, they have refused to give specific dates when these issues will be addressed/completed, and have not provided answers to pertinent information relating to this account and these issues. All the while, they have continued to report false information regarding our credit, thus exacerbating the damage to us, as well as refusing to address the situation of incorrect miscellaneous charges being applied to the account due to their lack of recognition of a fully executed legal contract in the form of the loan modification. In the case of both XXXX XXXX XXXX and Fay Servicing, there are more specifics relating to these issues and the lack of responsiveness in addressing them appropriately. However, I think that this correspondence should provide enough information to your tax payer funded, consumer oriented regulatory agency to get the ball rolling in not only an effort to provide relief to my family, but to point out some of the outright abuses and possibly fraudulent actions of these financial service companies that have been enjoying some well documented, tax payer funded protection over many years. I will be very willing to respond in any appropriate way regarding this and related matters, and add my voice to the issues in order to attempt to reign in the abusive nature of these companies and the financial services industry in general. They are doing untold amounts of damage to the general population of our country while receiving tax payer funded protection from the very elected officials and civil servants who are supposed to protect us, their constituents, and whose salaries and benefits are being paid for by those very same taxpayers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with Marlette Funding, LLC (NY).
Issue: Problem when making payments

Complaint: On XX/XX/2017, I received an email from XXXX XXXX regarding my loan status. The email 'confirms my delinquency status ' ... The email was also addressed to several other XXXX XXXX borrowers. This sharing of delinquency status to other persons seems to violate my privacy rights under the FDCPA. Providing my personal email address to other borrowers seems suspect as well. I called XXXX XXXX to complain, and followed up with a written complaint including a copy of the email since they denied sending the email. XXXX XXXX has not responded to complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Problems caused by my funds being low

Complaint: Navy Federal Credit Union locks me out of my account whenever my car loan is late. I am completely locked out. This is a problem for a number of reasons. I can not follow my balance, I ca n't remotely deposit pay checks, this practice seems absolutely absurd. Everytime it happens I have to call and talk to someone, wasting everyone 's time to unlock my bank account. 

Blocking my bank account t seems unethical, if not illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!

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 09-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have requested financial documentation from Navient on several occasions, asking to see the breakdown of my principal, interest, and how the payments were applied each month of the loan 's duration. They refuse to provide it, instead telling me that I can calculate interest myself. The problem is that I want to see how THEY HAVE applied the money, considering all they do is steal money from consumers. They do not respond via phone or written communication. 

I expect nothing to be done or said because you guys are basically run by them, so go ahead and send me a nice message telling you care about me and my concerns, and that I should XXXX. I really do n't understand how this is not an independent organization, and would like to know how I can stop getting thousands of dollars stolen from me. Most poor people are XXXX, but XXXX of dollars from hard-working individuals is just the consequence of, capitalism?

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (OH).
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: hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to XXXX in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am claiming that SPS, " select portfolio servicing '' is purposefully holding up the process of the short sale on my rental property. They have drug their feet on XXXX offers and have sent me several letters that I do not qualify when in fact they have received every document they have requested and many times duplicates had to be sent because of them saying that the documents were lost. This process has been dragging on for 5 long, grueling months with a tenant who also has no idea what is going on or a reasonable time frame in order for her to move and find another home. They have sent me threatening letters and gave me incorrect information on several occasions about the processing times. They just recently told me I could n't access my own property/loan information. Because they had the wrong zip code in for my property and because I could not verify the zip code ( because it was in their system wrong ) I was not able to get an update of my short sale. This company is a crooked, useless group, which bought out my loan with 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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX of 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.

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 04/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: My checking/debit card account is in overdraft and has been rolled over several times now. The XXXX overdraft for XXXX should not have occurred because the funds were put into my account @ XXXX on Fri., XX/XX/XXXX which covered it. The overdraft of {$13.00} occurred on the evening of the XX/XX/XXXX after banking hours @ our branch. The overdrafts continued to mount to {$130.00} by XX/XX/XXXX. After XXXX or XXXX heated conversations with the branch bank manager she took {$15.00} off for extended od fee reversal and {$19.00} off for extended overdraft on XX/XX/XXXX. This left overdraft expenses at {$100.00}. Their online customer service representative said they could do nothing more to correct the problem. However this account should never have gone into overdraft in the XXXX place. The tellers at the bank have told me that if an account is in overdraft during the week, the customer is giving until Friday of that week to correct the credit. But if not taken care of before Friday, a {$15.00} charge is attached. If not taken care of by the Monday of the following week a {$34.00} charge is attached. XXXX more {$34.00} is allowed and that is all. This was my understanding of the overdraft circumstances with Chase but it has not be the case with this situation or in other situations with Chase. My account started in XX/XX/XXXX so my history with them is not long in nature as accounts go. So going over all my statements and history should not be a problem. Also they stated that anything under {$5.00} is not given an overdraft but I believe there were charges on less than {$5.00} as well which I was unable to have removed. The result I expect from this is that my account be restored without overdrafts at all ; with a balance of {$22.00} in it instead of a negative amount of - {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CT).
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: XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the 7 loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to one ( specifically, the XX/XX/XXXX dated ) of the 7 loans vs. being distributed across all 7 to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied the XX/XX/XXXX payment to the appropriate loans. In XX/XX/XXXX, I observed that my credit score had taken a hit due to a > 90 day overdue balance on a student loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXX payment had caused the XX/XX/XXXX loan to look like it was in default. I opened a dispute with XXXX, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment between XX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Regarding XXXX CS Number XXXX Previously, I contacted XXXX to verify the return of the company 's equipment. 
I am disputing the total amount of {$330.00} debt or any portion requested by First National Collection Bureau , Inc., XXXX XXXX XXXX, XXXX, XXXX XXXX and contact number XXXX. I returned all equipment on XXXX XXXX, 2015, to a XXXX Installation Technician. The Technician was installing cable network for my niece XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. The Technician informed me that he would turn in the equipment promptly. Therefore, I trusted the Technician ethical and moral since XXXX hirer responsible employees for providing excellent customer service. 
Therefore, I should n't be charged or harassed for funds on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Delinquent account

Complaint: The credit card did not belong to me ; it belonged to my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief