milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 have tried several times to have the issues corrected and so far nothing has happened

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 08-02-2016 about Debt collection (Medical) with AR Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor originally was sending me a bill for emergency medical services that were pending to be covered under the state 's XXXX program and I was working with the hospital for coverage, but it was taking quite awhile. I called and notified them of this. The hospital forwarded the debt incorrectly to this collection agency when it has been covered by XXXX. Additionally, the hospital eventually provided me with grants to cover ALL outstanding debts. Also, legally in PA the hospital and it 's contractors can not charge me for uncovered medical services regardless of the cause because I was covered under XXXX. I have never been contacted by phone or mail regarding the debt after my notification to them of my pending XXXX coverage and they have not identified the debt nor have they provided me with any information regarding this debt. I called and requested proof of the debt. I have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I do not owe despite my attempts to contact them regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: I received an escrow account disclosure statement on XX/XX/XXXX, from Nationstar, now known as Mr. Cooper, in XXXX, Texas, that my escrow was short over a {$1000.00} ; then I received a mortgage loan statement on XX/XX/XXXX, that my escrow has a minus balance almost {$2000.00}. 

I do not understand how nor why there is a minus escrow balance. 

I am paying the mortgage amount Nationstar/Mr. Cooper states ( even when it goes up ), and, money is taken from my payment and placed into my escrow - why is there a escrow minus balance?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX we signed a contract with XXXX which stated that if we did not like the service we could terminate the contract. We were not able to receive any calls from our house. After seven calls and a visit to XXXX in which we explained our difficulties and were told that they were working on the problem and that it would be resolved. At this time we told XXXX that we terminating the contract. They accepted our termination and apologized. On XXXX XXXX, XXXX we received from XXXX XXXX a letter that we were in debt to them for {$1100.00}. On XXXX XXXX, XXXX we sent by certified mail a letter stating we do not owe the debt and stop the harassment. On XXXX XXXX XXXX we received a letter from Diversified Adjustment Service INC. that our account has been placed with then for collection of {$1100.00}. On XXXX XXXX, XXXX we sent a letter by certified Mail asking them to stop in their pursuit of Client Ref # XXXX Account # XXXX. On XXXX XXXX, XXXX we received a letter from Diversified Adjustment Service , Inc.a payment in full of {$1100.00}. I believe that they have broken a Consumer Protection law and request that you send them a cease and desist letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with ENCORE CAPITAL GROUP INC. (MA).
Issue: Other

Complaint: Midland credit harassing phone calls night and day. Now, sending me a demand for payment for which I do not owe. They do not have a license to practice in the state of Massachusetts, as well as violating numerous illegal debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I.Q Data International has incorrectly reported a debt that is affecting my credit score. The company has not taken my side of the dispute into account or the fact that the Texas Property Code Chapter 92 allows me to terminate my lease without penalty. The company is blatantly ignoring the law, Texas Property Code Chapter 92, in order to forcibly collect a debt that is not owed. The only verification they have provided about the debt is the account information from XXXX XXXX XXXX, which does not validate the accuracy of the debt. I am still receiving notification stating that I owe the debt even though the law states otherwise. 

This is my second complaint against the IQ Data International submitted to the Financial Protection Agency. My first complaint is referenced in case number XXXX where I provided all the background information regarding situation between the XXXX XXXX Apartments and I, and the incidents that transpired between IQ Data International and I on the first debt notification. 

Additionally, IQ Data International has failed to provide the below request information : 1 ) The date the debt was transferred from the original creditor to the third party debt collector 2 ) Proof of my agreement to pay the original creditor ; 3 ) Surety bond information As stated by the Texas Finance Code Section 392.202, a debt collection agency or credit bureau is required to provide the alleged debtor with specific information concerning their debt including but not limited to the above mentioned information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: Equifax has consistently verified and reinserted the following accounts on my Equifax credit report. Case # XXXX Case # XXXX The above mentioned accounts were deleted on XXXX XXXX 2016, Equifax confirmation number XXXX. I am demanding that Equifax delete above mentioned cases from my file. I am not asking Equifax not to reinvestigate so they can stall for another 30 days. I have contacted XXXX County Courthouse to speak to them about this matter and they stated they have no recollection or knowledge of Equifax performing an investigation. If these accounts are not deleted, I will pursue any legal remedy at my disposal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with National Collection Systems, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Missouri State did not send notification the debt was going into collection. No information was sent to me by the debt collector that they were now collecting the debt. I only knew about them when I checked my XXXX XXXX score and it dropped over XXXX points0

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Dear Sir/Madame, The following complaint pertains to a previous case that was opened on XX/XX/2017 - case # XXXX. In that circumstance, I explained the reasons for my dispute with Synchrony Bank. In a nutshell, the bank opened 2 accounts and twice put me in collection without any notice. I was the victim of an identity theft. The fraudulent person only knows my social security number and my date of birth. As far as I know, he/she does not have any other piece of information. I was questioning why Synchrony Bank opened 2 accounts under my name and put me in collection twice when the identity thief only had 2 pieces of information ( it 's my understanding that, regardless of any precise regulation, the well-established rule of thumb is " at least 3 pieces '' ). In their reply, the bank states that the fraudulent person also has a valid previous address of mine that was verified before opening the accounts. All credit reports by the 3 main agencies show the incorrect address as solely submitted by Synchrony Bank. On several occasions, I asked the bank to corroborate such statement that is relevant to the case and that was submitted under the supervision of a governmental agency. I was told that the Bank has no way to prove the accuracy of the statement. Unfortunately, there is a history of Synchrony Bank providing me with inaccurate information. Why should I trust them now? Two weeks ago, on a voicemail, I was provided with the name of the agency from which they received the information and asked to contact it. Since Synchrony Bank is, in my opinion, largely to blame for the unpleasant incident, since Synchrony Bank made such statement a crucial element in dismissing my claim, should I not deserve clarifications? Who holds the burden of proof for something that was stated by Synchrony Bank, not me? Why should I contact a business partner of Synchrony Bank that does not have any previous interaction with me? Why should Synchrony Bank " wash its hands of it '' when the whole incident was created by the bank itself, not having the courtesy to contact me when so much information was incorrect ( the identity-theft does not even know my correct last name )? Is it too much to ask that, if you make a key statement under the supervision of a governmental agency, you also have to corroborate it? 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: During the switch from XXXX XXXX to navient there where several times where my payment would be due at the end of the month and the following month it would be at the beginning. And according to the help over the phone. The payment date never change. But would change the date back to the or original due date but would not waive the late fee because as per them that was my fault

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: URGENT REQUEST FOR IMMEDIATE RELIEF : I am a XXXX in financial distress, please help me today. Thank you. XX/XX/2016 Citi Bank agreed in writing to remove an escrow account of {$600.00} from my mortgage, and I signed the Citi Escrow Removal Agreement form and faxed it, which Citi received XX/XX/2016.The bank refuses to remove the escrow account -- claiming they need to pay my taxes of {$2700.00} XX/XX/XXXX, which was not a condition of their signed Escrow Removal Agreement. My escrow account has almost {$4000.00}., more than enough ; and Citi demands I continue paying into the escrow account in my payment due on XX/XX/XXXX. The Citi Agreement had no such conditions to the escrow removal -- is acting fraudulently, and abusively. Please help me today, I am available for a press conference immediately. Thank you so much. 
Please respond immediately to me, XXXX XXXX. Ph : XXXX, email : XXXXXXXXXXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Cit Loan XXXX. I have complained 3-times to the Citi Customer Service Dept ( after being cut off 6 times and was cut off after waiting on hold 45 minutes ) and am the victim of deceptive business practices, fraud, breach contract, and intentional infliction of 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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with W.J. BRADLEY MORTGAGE CAPITAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED

Company response to consumer: Untimely response
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 reached out to XXXX, XXXX and Experian about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, XXXX and Experian all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) .XXXX XXXX XXXX ( X/X/2016 )

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 03-01-2016 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX 2017 I bought a gold chain from XXXX XXXX. It had a bad clasp so I returned it by the end of XX/XX/XXXX. Apparently I had to pay {$35.00}, {$8.00} for shipping ( was not refunded ), I did n't get a statement in XX/XX/XXXX, in XX/XX/XXXX they said I owed {$35.00}, and I called their XXXX number to find out why.
They informed me I had a {$25.00} late fee for not paying the shipping charge, and I told them I had n't received a bill. They also had reported me as late to the credit bureau 's. This took my high credit rating down to the low XXXX 's.
They took the {$25.00} late fee off, but did n't notify the Credit Bureau 's. This is the 2nd time I have had trouble with XXXX XXXX. I will not use them again. Apparently I had to pay {$10.00} to close the account, ( paid in full ).
I should have been credited for the shipping also, since it had a bad clasp

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX from college and borrowed XXXX and XXXX from sallie Mae in XX/XX/XXXX and XX/XX/XXXX. Since the loan now is past the six month mark and payments are through the roof. Over XXXX a month combined. I am unable to pay this amount and my mother the cosigner is unable as well. My father is deceased so that is not an option either. To make a long story ahort I have been dealing with sallie Mae since XX/XX/XXXX. They has me give all my and my co signers financial info for a rate reduction program that they said I was eligible for at XXXX a month and 2 percent interest for two Years and after two years we reevaluate they had me put a months for earance on the loan as well. Now the program has ceased and they claim its due to their mistake in me putting the loan into forbearance. I had to give all financial info for both again. Now it 's being denied due to processing stating that my mom made XXXX in XX/XX/XXXX. She did not tell them this nor did she make that. She made XXXX and would never inflate it like that also they say she has XXXX in a savings account in XX/XX/XXXX as well. She does not if she did she would not need their money. She has an annuity that can not be touched that 's about it. They will not do the rate reduction program now and we 're very abrupt about it and I am unable to pay the over XXXX dollars a month. I am not refusing to pay. I am able and willing to pay through the rate reduction program and if in XXXX years my situation changes we will reevaluate then and go from there. Please if you can help I would appreciate it. They are untruthful for their own convience. And I just need help to pay the loan at the rate in which I can afford. I did not add that the loans at present are 7.5 and 8 percent. I am not sure what your agency does but any input would help. I was told no from sallie Mae yesterday XX/XX/XXXX. Thank you XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Despite my four written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Experian stated in writing that they verified that these items are being reported correctly. Experian refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Experian is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Experian to post the accounts listed below is evidence that it does not exist and therefore is proof that Experian can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Experian 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX XXXX ( remove unverified account ) 2. XXXX XXXX XXXX ( remove unverified account ) 3. XXXX ( remove unverified account ) 4. XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified late payments XXXX XXXX XXXX, XXXX XXXX, XXXX 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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/2017 I applied for a unsecured credit card with capital one. Yesterday I received a decision in my email. The reason for their decision was, Based on my application information, there is a currently pending or recently processed application with capital one. I called capital one today and spoke to an agent. I informed them that I have an secured card with them already, and I wanted to obtain an unsecured card since my credit report has changed. The agent informed me that they just passed a new rule that says you can not apply for a new account within 6 months of previously applying, or opening an account with them. I told the agent that was not on their website when I got my secured card account. They refused to further assist me. I went back to the capital one website and printed their rate and fee disclosure. Under the additional disclosures and terms and conditions section. It clearly states that I may not be eligible for the offer if I have applied for a capital one card 2 or more times in the last 30 days. Which I have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (NE).
Issue: Trouble during payment process

Complaint: I have Private Mortgage Insurance on my mortgage loan. Each month around the XXXX or XXXX of the month, Plaza Home Mortgage Inc. takes {$240.00} from my escrow account to apply towards the PMI. This month, they took {$240.00} on XX/XX/XXXX. On XX/XX/XXXX my mortgage was paid in full 100 %. However, they took a 2nd PMI payment out of my escrow again on XX/XX/XXXX in the same amount of {$240.00} even though they had already taken it out on XX/XX/XXXX and even though the loan was paid in full. I attempted to communicate with them and asked them for an explanation and have received no response back. 

This does not seem like a fair practice and quite frankly, appears to me to be fraudulent activity to take a 2nd payment out since the loan was paid in full and I do not believe they should be able to take another PMI payment out unless there was still a balance the next time a payment was due, which there would not have been. Something does not seem right about this.

Company response to consumer: Closed with explanation