milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote a letter to Equifax disputing information on XX/XX/2016. I never received a response. I mailed a follow up letter on XX/XX/2016 and have not received a response. 
I 'm trying to dispute items on my report for specific reasons not addressed before and am being ignored. 
I have attached my letter written in XX/XX/XXXX, with identifying information. I 've also attached the postage receipt with tracking information as proof of mailing in XX/XX/XXXX. The tracking number ends in XXXX on the receipt. 
Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser

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 10/20/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Bank of America contacted my place of employment, my boss identified it as my place of employment, and then they asked for other contact number within my company to call me which my boss refused.

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 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX had a special going on where i got a discounted price on calls to international country. Called got the special and apparently the country i was calling wasnt on the special, i asked the representative multiple times before i took the special if the country i wanted to call was in the special she said yes it was so, i went ahead used the service to call internationally. went on vacation came back and my service was discontinued i called the service provider i was told i had to pay the bill because the country i was calling wasnt in the special so i told the representative that the lady who helped me assured me that the country was in the special he said " well its not so you have to pay the bill '' I said to him are you crazy where am i going to find all that money to a phone bill. From that day i never use XXXX again they are rip offs

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX    XXXX    XXXX , which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX . Equifax did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years.  XXXX  has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition,  XXXX  was not even the owner of record who had the right to foreclose but i doubt anyone cares about that

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problems when you are unable to pay

Complaint: I had a $ XXXX Home Equity loan taken out with USAA.com five years ago. The interest rate I received at the time for the loan was 4.49 %. 
This month, the HE loan was converted to a fixed-rate loan, as had been expected after the first five years. What was not explained to me was that they bumped up my interest rate by 250 %, to 10.35 %!! When I asked about this possibility several months ago, I was told it would " depend on market conditions. '' Clearly, interest rates have not doubled since I took out my HE loan, and nothing else about my credit history ( which is excellent ) has changed! 
I 've been the victim of 'bait and switch '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I rented an apartment located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX AKA XXXX. I moved out when my lease was up and checked with the front office in charge of managing the building to see if any payment was owed. I was told I did not owe anything. Less than 1 month later, I receive a letter from a collection company, stating I have a debt owed to XXXX XXXX XXXX. Despite my due diligence, I never received any notice of debt or an invoice before account was sent to collections. No prior attempt was made to make me aware of debt in question, let alone collect said debt. Debt was also posted to my credit report before any contact was attempted with me.

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 11-09-2016 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I respectfully request full investigation and based on the information I have provided I request the Enhanced Recovery Company, LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Enhanced Recovery Company, LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian refuses to allow me to dispute information regarding inquiries. Since it 's easy to take someone 's personal information, match it to an application and leave the inquiry as-is, they have repeatedly refused to remove the inquiries I have enclosed ( I circled them ) and refuses to request the companies in question supply an original application, which is FCRA mandated. 
Moreover, they refused to let me dispute XXXX/XXXX when the items and information reported have never been proven as mine, or proven accurate. 
I have the right to request a written copy of the process used to determine the information on my report is accurate as shown. So I am doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls frequently but does not leave any messages. I have blocked these numbers but they continue to call back using other phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collector filed delinquency collection after only 30 days after alleged fall-behind date. I was out of state and did not receive notice. Further, they reported a delinquency and collection after only 30 alleged days instead of 180, an egregious disregard for reporting procedure. 

There is a medical collection with an original statement date of XX/XX/XXXX, therefore I can not fall behind until XX/XX/2016. From XX/XX/2016 I have 180 days to pay debt before it is reported on credit. A delinquency was submitted XX/XX/2016 and appeared on my credit on XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A total of XXXX fraudulent charges again my Compass Bank credit card on XX/XX/XXXX & XX/XX/2015. 
I and the additional card holders all have the credit cards under our possession, but there are XXXX fraudulent charges in XXXX, Texas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (TN).
Issue: Struggling to pay your loan

Complaint: I took out a loan at check into cash in  XXXX   of 2017   , for {$570.00} and I ca n't pay the loan back because I lost job due to unforeseen reasons..They have been calling me and its really bothering and upsetting my family, not to mention the high interest rates that they charged o n the loan..is n't  this against the law??? I just want them to stop harassing me ....

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I ca n't get Navient to answer any questions. I asked for the income based repayment plan and they wo n't return my phone calls. They even hang up on me. When they do take my calls they tell me to just do forebearance. I want the income repayment plan or " get a better job ''

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. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have discovered today XX/XX/2017 that when my student loans transferred from XXXX XXXX to Navient the loans were under-disclosed. XXXX XXXX did not provide Navient with the correct or complete terms of my loans. I have 9 loans left with Navient and 2 of the loans, 8 and 9, should be paid off. The loan payment on the website is {$180.00} and the coupons are {$120.00}. The Navient representative that I spoke with advised in the call on XX/XX/2017 that terms were " estimated '' when XXXX XXXX failed to provide the accurate terms. My concern is how do I at this point even if the balance, payment, and payoff is accurate. I was told in the same call that all of the information on the website account for Navient is accurate, however how can it be accurate if Navient was provided incomplete/inaccurate information from XXXX XXXX and had to estimate the terms? When I requested evidence of the loans I was advised the contracts can not be sent out and all the information is provided on the website for Navient. I want copies of the original loan agreements. I was advised those can not be provided, leading me to believe the loan agreements do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: I previously filed a complaint with the CPFB ( CFPB case # XXXX ; Huntington Bank Case XXXX ) regarding overdraft fees. Huntington told me and the CFPB that it refunded all of the overdraft fees. They did refund the fees on XXXX/XXXX/2016. Later that same day, Huntington reversed itself and withdrew the money from my account again. I believe this was done purposefully to deceive both me and the CFPB. I did not realize the refund reversal initially. 

Also, Huntington indicated in its response that I permitted Huntington to allow my account to overdraft at the time of signing up for my checking account. This is a bold faced lie. I made ABSOLUTELY certain to the bank representative that I did not want my account to overdraft if I did not have the funds in my account to cover a transaction. In Huntington 's response, they indicated I could opt out without providing detailed instructions to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Dear Sir/Madame, And thank you in advance for your courtesies and assistance. In applying for a student loan I noted that from one moment to the next I was denied. My initial application stated that I needed a co-signer, and in the interim of providing that information, I was notified that a loan was not possible. As this bank just provided a loan for last semester, I was rather flummoxed as to why I can not obtain a loan, especially with the very same co-signer, who has a slew of accounts at the bank, most of them holding the maximum insurable by the government. 
Upon further investigation, I noted that my credit report included NONE of my employment history! NONE! How could this have been possible? They have page after page of other information, but a VITAL piece of information such as employment is rather difficult to fathom. I have been working steadily and consistently since 2008, full time. And there is not one mention of any employment whatsoever. It pains me to realize how error-ridden this report is, and how long it has been going on. I never checked my credit report, and that is my fault. But to have such an erroneous notation! NO EMPLOYMENT HISTORY. Only a slow and focused review will illuminate the many errors lurking beneath. I hope to amend this complaint whence such a review can take place. I am forwarding this as quickly as possible, in essence of time, and to get the issue resolved. 
I thank you immensely for your time, your courtesies and your assistance, and I look forward to hearing from you once you have had time to investigate this matter further. I bid you a good week, and more importantly, lovely evenings when you arrive home. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting   XXXX   XXXX   XXXX   XXXX   Acct #  XXXX  from     XXXX   on my credit. This is account is  XXXX   XXXX   XXXX  and I am no longer liable for this account. This account is too old to be on my report and should be remove immediately. I have sent  three  written requests to Experian which have been ignored.

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 03/30/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: The account above is currently reporting on my credit report but I am only an authorized user. 

I would like to remove myself immediately.

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 06/29/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (TX).
Issue: Closing on a mortgage

Complaint: We requested a payout statement from Citimortgage to pay off our mortgage. It arrived with interest showing fromXX/XX/XXXX thru XX/XX/XXXX. We paid our XX/XX/XXXX, payment and felt that closing interest should be from XX/XX/XXXX thru XX/XX/XXXX. Our XX/XX/XXXX payment was sent XX/XX/XXXX, received by lender XX/XX/XXXX and cleared our bank XX/XX/XXXX. Now, I am being told that closing interest is correct because interest is paid in arrears. In all the years and numerous statements we have received, NEVER has interest payment been SHOWN to be paid IN ARREARS. Statement is n't showing principal payment for one month and interest payment for a previous month. This all seems to be a rather DECEPTIVE PRACTICE. Citi purchased our loan from our original lender. We ca n't recall seeing any paperwork from Citi spelling out that the interest on our loan is in arrears. Statements do n't show principal payment for one month and interest payment for previous month. It is n't spelled out on the statement that way. DECEPTIVE, DECEPTIVE, DECEPTIVE!!!

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from Equifax, XXXX and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I paid off in full, including late fees, a residential mortgage held by M & T Bank and was given a receipt for the payment. M & T however did not record the payment until XX/XX/2017 and notified credit companies that the mortgage was more than 30 days delinquent. My credit scored dropped by approximately XXXX points and credit card companies reduced my available credit to almost XXXX. I have discussed the mistake with 5 different representatives of M & T. Depending on the rep I spoke with I was told a ) there was nothing they could do about it ; b ) I had to contact the credit agencies ; c ) It was my problem, not MTBs ; d ) I should contact the Branch Mgr where the payment was made ; e ) MTB did not maintain records of when receipts were issued for payments made ; f ) ( myl last call ) I should send them a copy of the receipt by fax. Since I do not have a fax, I delivered the receipt for the pay off to the branch manager who said that while he could not do anything, he would see that it was faxed to the department I was given, called Mortgage Customer Support. This was on XX/XX/XXXX. I waited ten days and called the Mortgage Service Dept and was told the fax was never sent. I then called the Branch Mgr who said it had been but he would do it again. This occurred XX/XX/XXXX, more than two months after I made the initial call.

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