milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I saw that I have a collection from XXXX XXXX XXXX. I paid this and settled at least 2 years back. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the third party hack of Equifax, my personal information ( SSN, date of birth, credit card numbers, home address, telephone number, and other key personal info ) could have been or was stolen. According to the Equifax security site, where they will obscurely tell you if your information was stolen, and mine was. The hack happened in XXXX but we were not told about it until Thursday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from KOHLS/CAPONE. I had previously disputed this account. I have never done business with KOHLS/CAPONE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KOHLS/CAPONE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KOHLS/CAPONE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have been calling XXXX XXXX times a day, starting about two weeks ago. Each time I answered, I received no response. Also when I ignored the calls, they left no voicemail. Finally after them calling me four times already today, I answer in an aggravated time. I asked in a very irritated tone, " Who is this, and why do you keep calling me? '' They asked my name, so I repeated my question. They replied, " XXXX. '' I then asked, " With who? '' They replied with, " XXXX with ICSystem. '' I then proceeded to tell them that I did n't know who they were and to put me on the do not call list. Before I was able to say anything else, they cut me off and told me they do not have a do not call list and they 're debt collectors. They then told me that they would n't tell me what for unless I verified I was who they were looking for. I then hung up. I 'm looking for ways to stop them from calling, but my first step was to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, TransUnion, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include TransUnion. The Transunion website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And XXXX states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian has made it impossible to cancel my monthly membership. They only possible solution they offer is calling their service number, and you are placed on hold for hours and Ive never been been extended the courtesy of speaking with anyone. This entire process is clearly and maliciously engineered to hold the customer hostage for an unwanted monthly payment. Its extortion and Experian should be held accountable for their illegal business practices.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company is reporting adverse information to the credit reporting agencies ( XXXX, Transunion, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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 04-07-2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to Dovenmuehle ( DMI ) late XX/XX/XXXX and from the start the loan was boarded incorrectly and the problems started. They decided to force-place flood insurance on my loan even though my loan documents at closing show flood insurance already in place and also more paid in advance. I also emailed the flood insurance policy on XX/XX/XXXX and they still could not get it right so i had to email again on XX/XX/XXXX. Now they force-placed homeowners insurance even though my loan is a non-escrowed loan and my original loan documents show the homeowners. They have also charged me late fees even though my loan payment was never late. I have to take time out my busy day to " justify and validate '' that I am correct versus DMI spending the time to ensure they have set up my loan correctly and instead of calling me to discuss and confirm accuracy, I have to go out of my way and spend time away from work to call them and correct what they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I received alerts from both XXXX XXXX and XXXX XXXX that new items were on my credit report. Midwest Recovery Systems reported that I have a collection account on my reports. I do not have any collections, I pay all of my bills on time. I have never received any dunning letter from this company whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: was sent to prison XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I have been a royal credit card member with Capital one bank, so I made a call to the capital one customer service to upgrade my regular capital one card to the XXXX card One day, I went to the Capital one bank located in XXXX XXXX XXXX, NY to ask the banker the status of my update. She asked me to help her open a capital one checking account, which I said ok. Then she told me that I will receive a new credit in a few days. Several days later I got the card, but instead of receiving only XXXX quicksilver card, I got XXXX. Basically the banker applied a new one for me. I tried to call the branch, but the branch manager was always busy, and my credit score dropped by XXXX points. When I converted my card, the representative told me that I should n't have any points dropped since I did not apply for a new card. One day, I finally got a hold with the branch manager XXXX. He told me that he is going to investigate and call me back, but now its almost been a year, I still have n't heard anything from him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE BEEN ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND I HAVE REQUESTED SEVERAL TIMES THAT MY SERVICER, NATIONSTAR, SEND TO ME A MORTGAGE ASSISTANCE PACKAGE. THEY DID NOT. THIS REQUEST WAS MADE THROUGHOUT THE MONTH OF XXXX. ON THE LAST WORKING DAY OF XXXX - XXXX XXXX - I RECEIVED THE REQUESTED PACKAGE. NATIONSTAR BACK-DATED THE LETTER TO XXXX XXXX, 2015. NATIONSTAR GAVE ME XXXX DAYS TO APPLY AND SEND ALL DOCUMENTS. THAT DEADLINE EXPIRED YESTERDAY. NATIONSTAR HAS, HOWEVER, QUICKLY & EFFICIENTLY SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with E. A. Uffman & Associates, Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: An account with XXXX XXXX XXXX ( XXXX ) was transferred to me in XX/XX/XXXX from XXXX XXXX, landlord. When the account was placed in my name, there was no balance on the account. During the billing cycle of XX/XX/XXXX to XX/XX/XXXX, the air conditioning was broken. This was reported to the landlord prior to the first bill being issued, and she stated that the a/c was checked prior to being rented and transferred. It was explained to the landlord that the a/c was broken prior to the XXXX and XXXX billing cycle. I paid a third party to inspect the a/c unit, and it was confirmed that the a/c unit was indeed broken due to faulty duct work. When this was explained to the landlord, she informed me that all that could be done is installation of a window unit. After the landlord arrived at the house to install the window unit, she confirmed that there was an issue with the a/c unit. The landlord and I made an agreement/arrangement in regards to covering the costs of the expensive bills accumulated during the time that the a/c unit was broken. The agreement was that I was to pay {$200.00} of the first and {$200.00} of the second billing cycle, and that she would cover the cost of the remaining balance which was {$730.00}. I paid my portion of {$200.00} for the first bill and {$230.00} for the second bill ( total : {$440.00} ), and she paid {$230.00} towards the first bill only. There is now a remaining balance of {$500.00} ; which was showing past due and is now being reported on my credit reports by a collection agency ( XXXX XXXX ). I have multiple text messages where the landlord confirmed this agreement/arrangement. When I spoke with XXXX, they were informed of the agreement and stated that an extension was not needed if the balance was to be paid. I also have copies of receipts of all transactions. A final/disconnect bill was received and paid by me minus the {$500.00} that the landlord is responsible for. This dept belongs to my previous landlord, XXXX 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 09-01-2015 about Debt collection (Payday loan) with Excella Recovery Group (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by XXXX at XXXX XXXX. At the time I was on the phone, so was unable to take the call. The caller left a voicemail stating " This is XXXX XXXX calling in regards to documentation returned to my office as undeliverable, no signature obtained. To reschedule a delivery or to get details on this matter before any decisions are made without your knowledge, please contact me at XXXX. '' When I called the number back, I asked for the Company " Excella Recovery Group '' and said that I never received a letter stating what this debt is for. I never received the gentlemans name, but he stated he would send another letter and hung up. I tried to call again and ask for the address and another gentleman hung up on me. The XXXX time I called, a woman named XXXX answered stating ERG and when I asked for the address, transferred me to XXXX. XXXX gave me the address of XXXX XXXX XXXX, XXXX, NY XXXX. ( When I searched this address on the internet, it brings up a realty group, XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX stated that I had complained and they had removed my phone number from the system. This seems suspicious to me. I 've paid multiple times on payday loans and I continue to be scammed by companies. I do n't owe any more on these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the credit bureaus XXXX XXXX XXXX   about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, 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 non-monetary relief
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OR).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I just received a notice in the mail ( XXXX-17 ) that my Chase credit card 's terms are changing. Specifically my interest rate is being increased from a moderate, but not entirely unreasonable ~10.9 % APR to 15.75 % APR. They did not provide what I consider to be a valid reason for the change. This was not based upon missing payments, nor upon credit history, or any other of what I would consider to be " reasonable '' justifications. 

Their sole justification effectively boiled down to " we 're not charging you a high enough interest rate, so we 're increasing your rate by ~50 %. '' In the more 'legalese ' verbiage of the notice, the only justification for this outrageous increase is " ... because your APRs are below the lowest APRs we currently offer on similar accounts. '' To me, this is simply them saying, " we 're not over-charging you to the same extent we 've managed to over-charge everyone else through our methodical long-term upward APR creep, so, we 're simply adding an extra 50 % to your APR, welcome to the club. '' Sure, they say that you can " reject the change, '' but if you do so, the only recourse listed is to " notify them in writing and then stop using and close the account. '' To me this is quite unacceptable. I 've had this account for years. Probably a decade even. They inherited it from Washington Mutual. And, up until now, they have never seemingly had a single problem with my account resting at 10 %, and taking their pound of flesh, so-to-speak. So, why, all of a sudden is a rate closer to what I would call a " penalty interest rate '' apparently the " lowest they 're willing to go ''? 

In my opinion, an un-telegraphed 50 % increase in APR, with no justification other than " we want more money, '' is simply nonsensical. 

And, for reference, my card at a competing " too big to fail '' institution is only 8.90 %, and has been equally stable for approximately a decade. Chase has always charged a higher rate with a lower spending cap than the equivalent larger cap and lower interest rate. Now, they seem intent to charge DOUBLE what I 'm paying at the other institution. To me that says, it 's not me that 's the problem, it 's them. Pure and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (I do not know) with U.S. BANCORP (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Yesterday I questioned a company of why there was no refund apply to my credit card but a debit. They reply that I owed them XXXX in 2011 and deducted that from credit card as well as shipping charges. When I asked to see invoice of this charge in 2011 the company said they did not have XXXX. When I asked them to return the money to my card they refuse. I did not authurize this company to collect a past debt only a refund/exchange plus shipping. I do not know the reason for the this charge and I want them to put my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Credit determination

Complaint: In XXXX 2016 I received my statement from Bank of America with a balance of {$48.00}. I scheduled payment in time for the due date for the full amount as I always pay all my credit cards are paid in full monthly. By mistake I clicked on the wrong line on bill pay and sent the money somewhere else. I have proof of this. I then received a statement from Bank of America in XXXX showing the amount was not paid. I immediately called Bank of America and explained. They told me that due to my excellent history there was no issue, all I had to do was pay the amount which I did. I received last week a notice from them saying my credit history was downgraded and my credit limit was reduced. I do n't care about the credit limit as I do not use this card very frequently but I am very angry at this action for no justifiable reason. I would like to have this corrected with the proper Credit Bureaus and cancel this credit card. Please advise how to proceed.

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