milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. Experian will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

XXXX is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.

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 12/15/2016 about Debt collection (Medical) with Community Health Investment Company, LLC. (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Professional Account Service, INC called me to collect a debt for medical bills that I am currently making payments on and am up to date. Company stated that I was in collections and had not been making payments. Tried to explain that I am making payments and they stated that not all of my accounts were combined and that my payments were n't being put towards the debt amount in collections. I paid the amount. The following day I checked with the accounts payable department where my medical bills were and they stated this has happened to other people and confirmed that I have been making payments on time and my debt should not and is not in collections. This is fraud and is treating patrons unfairly and misrespresenting debts to patrons that are not in collections that can bring undue stress to individuals. This practice should be stopped and they should represent debts fairly and truthfully.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: I owed Capital One {$290.00} in XX/XX/2015 & I paid it in full before the XX/XX/2015 deadline. I had sent a letter to Capital One previously that I was no longer using their credit card & CapOne responded by sending me a letter saying my card had been suspended, so cut it up. I then went on vacation & when I returned I had received an item that I had not ordered from XXXX, who said that Capital One had allowed a charge to my credit card, after denying the same charge 16 times, I now owed Capital One {$77.00}. I immediately sent {$77.00} to Capital One. Both of my checks for {$290.00} & {$77.00} cleared my bank, but Capital One refuses to credit these payments. Capital One has reported me to the credit agencies & sent 2 collection agencies after me, XXXX XXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: As of XX/XX/XXXX the State of Illinois has granted XXXX % exemption from property taxes to any veteran homeowner who is considered XXXX or more XXXX by the Dept of Veterans Affairs.Carrington Mortgage services has been provided with this information and my rating with the VA.I am rated XXXX % total and permanent.They are stating I must wait for the second installment tax bill before they act.The state has already stated in this letter that I will recieve a refund of the first installment payment.This letter also states that no future tax bills will be due as long as my rating is unchanged.ref ; XXXX % XXXX.It does not state the mortgage company must wait to make any changes or refund any monies being held for a payment that will never be due.

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

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Credit line increase/decrease

Complaint: I have XXXX credit cards with capital One that I have never paid late and the payment is paid before the due date and more that the minimum payment. However at one time was an authorized user on my ex fiances capital one credit card account. When we split, he and I both requested that I be removed and he removed off mine. However, even though Capital One removed from my report, they 're still reporting it under my account with them. I have XXXX credit cards with them that have never been late and I always make large payments as well, but when I recently called for an account upgrade, I was told it was denied because " XXXX of my accounts '' is past due. So even though they removed it from my credit file, they 're are still, as I feel, holding his accounts and how he manages his against me which is unfair, considering I was an authorized user on his account, that doesnt make me responsible for the debt. They are continuously holding my payments for 10 days, putting an account lock " fraud '' on my credit cards when I make payments and they said to " verify '' it was " my account '' since I had payments returned in the past ( that was not late ). The last straw was when I applied for a credit limit increase that showed online I was eligible for and how excellent of a customer I 've need, and it was immediately declined. I logged in to view the reason letter and it stated " due to too many inquiries ' so I called customer service and I was told it was due to several missed payments on my accounts. I told them I 've never been late and they started giving me his information that they 're still linking to my accounts. Then they tell me it was a mistake when I get upset for them still holding me responsible for someone else 's accounts. I feel like I am being held responsible for someone else 's debt since XX/XX/2016 till current

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted National Credit within 30 days via fax and mail I followed up and they confirmed they were still investigating the dispute The verification process had not been concluded nor a payment option offered before reporting to the credit bureau. This agency violated my rights to dispute and resolve the matter prior to reporting to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax credit reporting agency is not reporting my XXXX credit card account which has a zero  balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Medical) with Aequitas Capital Opportunities Fund, LP (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CarePayment allowed me to set up an auto bill via my credit card to pay monthly installments. They then shut the auto pay off without my authorization and charged me late payments. 

They had no authorization to shut off my auto pay. The nature of auto pay is that it is automatic, there should be no reason for me to do any " updates '' with them monthly to keep my auto pay turned on. This is just a way for them to charge unwarranted late fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan servicer, formerly XXXX XXXX, now Navient, has provided false and misleading information regarding a co-signor release option for my private student loans for the University XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, CO. I have called into Navient XXXX times over the past XXXX months to inquire about their co-signor release program. Each time the representative I speak with informs me of a different set of criteria that applies to their co-signor release program. Some have stated after XXXX-year of on-time, principal and interest payments a co-signor " will '' be released, others state it is XXXX years, or XXXX months, or that the co-signor must " apply '' and there is no guarantee they will be released. The variance in information has gone so far to also state that a co-signor release program does not exist. I have requested documentation numerous times, and it either has failed to arrive via mail as indicated, or I have been told there is no documentation on file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A company from phone number XXXX called my place of work twice and is harassing my employers threatening to serve me papers at my place of work. They have not contacted me personally by mail or by my personal number. My boss has threatened to fire me over this. I do not know how they got my number at work. They say I owe them from a credit card I had in 2007 that was stolen from me. It was an attempted car jacking and my wallet was stolen along with my keys and all my credit cards. I do not appreciate being threatened at my place of employment and having my employers threaten my job over this. They lied about being a law firm as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with DISCOVER BANK (VA).
Issue: Delinquent account

Complaint: I fell behind on my monthly payments on my Discover Card account due to some unanticipated expenses. When I was finally in a financial position to make payments again, I contacted them to make payment arrangements. The individual that I spoke offered me a settlement ( the account had been closed ) that would have me paying half the balance owed ( approx. account balance = {$13000.00} ), and as long as the monthly payments were met ( automatic withdrawals they scheduled ) they would credit the other half. At the time I was dealing with my mother 's health issues, and was relieved to have it taken care of. Unfortunately, I neglected to request a written copy of the agreement, and one was not sent to me. Additionally, since the account was closed, I was no longer receiving account statements and I had no access to my account. The payments were withdrawn as agreed though, totaling half of the account balance, and I thought all was well. Several months after the final payment though, Discover Card sent me correspondence stating that I still owed the other half of the balance on the account. I have disputed that, but Discover Card claims that they no longer have the recordings of my conversation with the representative that negotiated the agreement and scheduled the payments. Supposedly deleted after 90 days, even though the payments were scheduled to continue for not quite a year. They claim to have no records about the agreement that I made. The only " notes '' state that I rejected an agreement of {$7200.00} - which they extrapolate to mean that I agreed to pay the total account balance. Who would do that?! When I asked to speak to the individual who negotiated the agreement or his manager, since I distinctly remember the representative putting me on hold in order to get the agreement approved, they claim that information is not recorded in the account. They have sold the debt to a debt collection company, and now claim that the debt collection has " all '' the information about the account. Yet, when I disputed the debt, the debt collection company contacted Discover Card to request the records ( which were just copies of statements that were never sent to me ). I feel sure that there is a record of what actually transpired, either in the representative 's notes or his supervisor 's records, but Discover Card is refusing to provide any information. Are credit card companies required to maintain records of these types of transactions? And how does a consumer with a dispute compel a credit card company to provide all records related to an account? I recognize now that I should have requested a copy of the agreement. Some websites have even recommended not authorizing payments until a copy of the agreement has been received. I did not have that advice at the time, unfortunately. I have had no previous experience with this process, and was experiencing a tremendous amount of stress due to family issues ( and still are ) are my only excuses though.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans were recently transferred from XXXX to UHEAA. Since being transferred, I have had double payments withdrawn from my checking account. I was also sent a letter dated a month after they claim my IBR application was due. They told me repeatedly they would fix double payment and over payment issues, but never did. They told me they would put a hold on my direct payment, while issues were being resolved. They did not do this and continued to pull XXXX times my IBR amount out of my checking account causing a severe hardship for my family. We work hard to have good credit. Contact links on their website are frequently broken. They take weeks to reply to emails. If you read the reviews on their facebook page you will see XXXX people with similar complaints. They straight up lie to people. They take 60+ days to process IBR applications. We never had any issues with XXXX and have had nothin but problems with UHEAA. They need to be seriously looked at for bad or illegal business practices. They are ruining peoples ' credit and their lives. Please help all of us find resolve.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It has only been a few years since CONTINENTAL FINANCE ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of CONTINENTAL FINANCE and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX BANK SOLD THIS LOAN TO CALLIBER HOME LOANS AS OF XXXX. THE HOME HAD A SET SALE DATE BY XXXX. XXXX FAILED TO INFORM THE CUSTOMER ON XXXX WHEN THEY SPOKE TO XXXX XXXX THAT THE LOAN WOULD BE SOLD AS OF XXXX. FURTHERMORE, XXXX FAILED TO SEND THE MODIFICATION PACKAGE TO THE NEW LENDER CALIBER HOME LOANS. IT TOOK CALIBER HOME LOANS XXXX DAYS TO " BOARD '' THE LOAN. THE MODIFICATION PACKAGE WAS ALSO SENT TO CALIBER HOME LOANS, BUT SINCE THE LOAN NUMBER WOULD NOT BE GIVEN, CALIBER DOESNT KNOW WHERE THE DOCUMENTS WENT. 
" IF THE LOAN NUMBER WAS NOT BOARDED, THEN THE DOCUMENTS WERE IN LIMBO '' STATED BY SUPERVISOR XXXX WITH CALIBER HOME LOANS. 
THERE IS NO EXCUSE FOR XXXX NOT TO HAVE SENT THE COMPLETE MODIFICATION PACKAGE TO NEW SERVICER. 
THERE IS NO EXCUSE FOR THE NEW SERVICER TO HAVE A SALE DATE SET IF THEY DONT HAVE THE LOAN SET UP. XXXX DAYS AFTER THE TRANSFER OF THE LOAN, THE LOAN WAS FINALLY SET UP BUT THE SALE DATE WHICH IS STILL SET FOR XXXX DOES NOT GIVE AMPLE TIME TO REVIEW THE LOAN FOR ASSISTANCE PER CALIBER HOME LOANS. CALIBER HOME LOANS HAS STATED THAT THEY ARE LOOKING INTO THE DOCUMENTS WITH LOSS XXXX AS WELL AS REACHING OUT TO XXXX. THE INABILITY OF THE LENDERS TO MAINTAIN A FILE IS INEXCUSABLE. CALIBER HOME LOANS STATED THEY DID NOT RECEIVE THE DOCUMENTS WHEN SUCCESSFUL FAX AND EMAIL CONFIRMATIONS WERE KEPT AS A RECORD. 
FURTHERMORE, CALIBER HOME LOANS FAILED TO SEND THE HELLO LETTER WITH THE NEW LOAN NUMBER, AND WERE ONLY ABLE TO PROVIDE THAT INFORMATION AS OF THE XXXX DAY. 
AT THIS TIME WE ARE DEMANDING THE POSTPONEMENT OF THE SALE DATE OR XXXX XXXX WILL ASSERT HIS LEGAL RIGHTS NAMING BOTH XXXX AND CALIBER HOME LOANS AS DEFENDANTS. 
XXXX AND CALIBER HOME LOANS ARE DISCRIMINATING AGAINST XXXX XXXX BASED ON RACE ETHNICITY, MARITAL STATUS, LANGUAGE, AND THE FACT THAT XXXX SERVICERS CONTINUE TO FORECLOSE AFTER THEY CONFIRMED THE HOLD UP AND GRAY AREAS WITHIN THIS SITUATION ONLY CONFIRMS THIS ALLEGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my 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 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account is listed twice on my profile XXXX XXXX This account has been paid and the incorrect information is listed on profile and no data has been sent to support this debt. I request this be removed ASAP. Here is the second account XXXX XXXX. Also, it has been over 60 days requesting this removal. 

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 non-monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX CC > XXXX Credit Card # XXXX The limit is {$10000.00} not {$5000.00}

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 04/17/2015 about Consumer Loan (Installment loan) with Gold Star Finance, Inc. (TX).
Issue: Shopping for a loan or lease

Complaint: THE LENDER REJECTED BECAUSE I AM ONDEBT CONSOLIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has alleged since XX/XX/XXXX they are servicing on loan numbered XXXX. I have disputed this debt since their allegations. I HAVE NOT made a payment on this debt ever. According to Nationstar, this debt has a running arrears more than {$140000.00}. They are reporting this disputed debt to the credit bureaus as delinquent. Nationstar Mortgage reports the alleged debt as delinquent, but advises I ca n't make any payments. I 've attached the most recent activity Nationstar Mortgage has reported to the credit bureau on XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT ON THE ALLEGED DEBT AND I WILL NEVER MAKE A PAYMENT ON THE ALLEGED DEBT THAT IS A FRAUD.

Company response to consumer: Closed with explanation