milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand One credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (TX).
Issue: Account opening, closing, or management

Complaint: I closed my account with Rushcard over 90 days ago with an outstanding balance of a little over {$60.00}. I was told that I would be issued a check for the remaining funds within 7-10 days. I waited 30 days and contacted them again, and was told the same thing. I never received my funds. I called after 30 days again and was told once again they would mail me a check or send me an activated card in 7-10 days. I requested that they overnight a check, because I do not want another card in which I will have to pay fees to use. I was told they can not overnight anything and I would have to wait another 7-10 days. This is unacceptable. They have already withheld my funds from me for too long and do n't provide answers or solutions when contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is a detailed response to the previous complaints that have been submitted. Navient was in violation of the FCRA and I would like for the item to be removed. The information requested has not reached me and the time frame has been well passed. As a result I am asking for the cfpb assistance to have them abide by the consumer rights law and remove the item from the credit report.. On XXXX XXXX 2017 the debt validation letter was delivered and signed for by Navient. The letter was sent from me with my current address via signature confirmation and certified mail. I waited and never received any of the requested documents. I allowed them, the law required, time frame to respond and then sent in and update and resolution assistance through CFPB. Although a response was given, stating that they printed a letter on XXXX XXXX. The address however on this letter did not correspond with the one that was submitted as my return address in my original debt validation letter. I have yet to receive the information requested and this has placed them in violation of the FDCPA Section 809 Validation of debts [ USC 1692g ]. Based on the rules established under FCRA Section 809 ; which states that if they have not validated the debt within the 30 day time frame : 1 ) they are not allowed to collect the debt 2 ) they are not allowed to contact you about the debt 3 ) they are not allowed to report it under the Fair Credit Reporting Act. Doing so is a violation of the FCRA. Based on this and supporting documentation, I am requesting your support to resolve this matter ; which is to have the item removed from the credit report please. Thank you so much for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (Medical) with Io, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never given a chance to dispute the debt. I did not know about this debt since I turned the bill into the insurance company and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.

Company response to consumer: Closed
Consumer complaint received 11/25/2017 about Debt collection (I do not know) with NORTHLAND GROUP INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Today I received a debt collector letter from the Northland Group stated I owed to XXXX the amount of {$900.00}, I believe this type of action is fraudulent on nature between XXXX and its Debt Collector Northland Group. 
I disputed the same amount {$900.00} with XXXX several years ago also I did disputed las XXXX 2016 with another XXXX 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask XXXX and Its Debt Collector NORHLAND GROUP to cease any collection on the amount they said I owe them. 
There is the second time XXXX is attempting to collect something I disputed on the past, I do n't know if At this time XXXX and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A company the XXXX claims that I owe over {$1000.00} to pay for an audit on a account with them that I do n't have. I cancelled my account with them and yet they want to do an annual audit for a workers compensation account that I paid with them for nearly a year. 
Now a collection agency RMS sent me a letterA representative told me that they needed to audit my account in order to decide if my monthly payments for the next year coming up would be accurate. I 'm not doing business with them in the next year so there will be no payments at all. So it seems unjust to me to pay a ridiculous amount of {$1100.00} for them to run my income report etc ... 
And in the one year I did do business with them, my financial disclosure was accurate on my end so I have nothing financially to hide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan modification,collection,foreclosure

Complaint: For over two years I have requested documentation on the number of foreclosures, census tracts and value of the homes at the time of foreclosure. Wells Fargo has not responded to my request. On the day of my foreclosure sale, I provided documentation that that were funds available to reinstate the loan. This was the exact information that I had provided 30 days prior. I was attempting to get a modification which was denied because utility bill which was mailed to my post office box was not mailed to the house address. Although the bill had the service address noted. This was unacceptable to me because in a previous modification this documentation had been accepted. I believe my case on e on my any in which Wells Fargo was attempted to clear and clean its books of low preforming mortgage loans in low to moderate income areas by shifting them to a another sister organization owned by Wells Fargo once they were foreclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Advertising and marketing

Complaint: In XXXX, 2015 I applied for an American Express credit card. The offer included a {$300.00} statement credit if I charged {$1000.00} on the card within the first three months. I charged over {$1000.00} and am still waiting for my credit. I call every month and get " We 're looking into it ''. " We 've open an investigation ''. " Please give us six more weeks to look into this matter. '' I called today and was told that no investigation was started but they would be happy to start one. They refuse to issue the credit card credit as indicated in the letter attached to my application. RSVP Code for the credit : XXXX. I tried to close this card today but was told that no credit would be applied if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Mortgage) with JAMES B. NUTTER & COMPANY (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Lawyer for James B. Nutter has contacted me using United States mail with an order to eject me from my property. 
Real estate agents representing James B. Nutter has contacted my neighbors and has specifically told my neighbors that James B. Nutter owns my home because of non payment of a debt. 
XXXX XXXX XXXX has been sent to my home to clean my property by order of James B. Nutter. 
James B. Nutter is attempting to seize my property illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs TransUnion, XXXX and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas XXXX XXXX XXXX Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.

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 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Hi, Like many other posters on consumer affairs.com, I signed up for the one time credit report from Experian.com. I then got charged {$20.00} a month for the next 6 months and the same when I checked my husband 's credit. Granted, I should have cancelled and checked the fine print. However, I do n't recall seeing the {$20.00} a month when I signed up. I never received any email credit alerts and when I noticed the charge again on my credit card this month, I called the company. I explained that I understand the terms and did n't mean to sign up but I did. They can see that I did not use the service but would not bend on any refunds. What really sparked me to write the review and not just chalk it up to my failure to cancel or read small print is the robotic response I got. I called today XXXX/XXXX/2016 and the next month is for XXXX/XXXX/2016 and they would not even cancel that. I called 3 times and they repeated sorry it is nonrefundable like a robot. I expressed my anger and the fact that I would eat the {$240.00} which I have nothing to show for but they ca n't even bend on the last {$20.00} charge. They have no concern for customers at all. Most companies will bend a little. I would have been happy if they said yes, we will give you the {$20.00} back but sorry about the rest as it is non-refundable but there was no give at all. Only greedy greedy take. The worse part is I did n't receive anything for this money. Lucky, I can afford the loss, but I wonder how many other people get ripped off like this and a ca n't afford it. 
Please pass a law requiring more details in the fine print or monitor this greedy lack of customer focused company. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Rent Recover, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX ( XXXX ) and Rent Recover LLC are liars and crooks. They are trying to collect an invalid debt from me and will not remove it from my credit reports/rental history reports, which affects my ability to obtain housing and/or a government job. 
I vacated this property in XX/XX/2016, and am getting charges from XX/XX/2016, when I wasn't even living in the state of Georgia at that time! They are money hungry liars, probably just vindictive that they had to pay ME. 
I have notified both companies several times via phone calls and in writing, to no avail. XXXX ignores my phone calls and does not respond to my voicemails or emails. Rent Recover LLC has been very rude to me : hanging up when I tried to explain their error, calling me names and using profanity. Also, Rent Recover LLC has not responded to my emails either. 
I moved away from the slumlord property, XXXX XXXX XXXX, due to health violations that the landlord failed to alleviate. Yes, this is documented from the GA State Health Department. I withheld rent in order to gain my landlord 's attention. We settled out of court, I signed a Consent Order, along with my attorney and XXXX XXXX, the landlord 's attorney. The order stated that this will not affect my credit as an eviction and that no monies would be owed. I thought it was over until I got denied for housing. I am livid. I don't owe these people and will not pay these people. If this matter is not rectified immediately, I am suing both companies. XXXX, for breach of contract and Rent Recover , LLC for credit reporting violations.

Company response to consumer: Untimely response
Consumer complaint received 02/28/2017 about Credit card () with U.S. BANCORP (NJ).
Issue: Other

Complaint: Please refer to XXXX, the original complaint I filed against Elan Financial Services on behalf of my client, XXXX XXXX. Elan Financial sent a letter on XX/XX/2016 and refunded my client 's {$240.00} with a sincere apology. Shortly thereafter, in XX/XX/2016, my client received a collection letter on the ELan debt. XXXX XXXX called me and I told her to throw the letter away. On XX/XX/2016, I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Minnesota XXXX. The letter states their client is U.S. Bank National Association dba Elan Financial Services. The letter acknowledges the death of XXXX XXXX 's husband and claims an unpaid balance of {$420.00}. I have since received numerous telephonic messages from XXXX XXXX regarding this debt. 
Obviously, because XXXX XXXX contacted me, XXXX XXXX 's attorney, Elan Financial Services provided DCM with this information. Any correspondence between myself and Elan Financial had been to resolve the original error on Elan Financial 's part and the extensive documentation, except for my contact information, was intentionally ignored or discarded in pursuing my client. 
What is the recourse for this? My client has suffered continually at the hands of Elan Financial Services. Still emotionally fragile, XXXX XXXX has been forced to revisit her grief on the death of her beloved spouse, harassed for a debt she does not owe and continues to pay for my services in correcting the ineptness of and by Elan Financial Services and their representatives. This is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We believe Ocwen Loan Servicing, LLC., has miscalculated and misapplied the payments. We have received an untitled document that appears to be a transaction history, but can not understand all the terms, abbreviations, and entries. We have asked for an explanation, but did not even receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Everhome who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the XXXX of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

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 10-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX I believe Navient violated the terms of my loan payment by putting my account into forbearance without meeting any of the terms to go into forbearance. I am not in school, have not been delinquent, and did not request this in any way. They then capitalized that interest in XX/XX/XXXX. 

All of this was done without ever contacting me or sending me any sort of notice. When I called about the issue I was told that there was an accounting glitch and that someone would look into the issue, but the result was no changes. 

I have also been subject to a " payment holiday '' for overpayment in XX/XX/XXXX, which I did n't previously know about until I was able to get documentation from Navient showing my payment schedule.

Company response to consumer: Closed with explanation