milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX  has flagged your account as Not more tha n two pa yments past due ( 2 ).   Alert Type : Potentially Negative Found On :    XXXX   XXXX   XXXX   Potentially Negative Alerts notify you when one of your accounts has reported information that may ne gatively impact your credit score.     Balance spoke to  XXXX  last payment made- way  XXXX    XXXX  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who  I relayed my request for resolution! I finally Reached  XXXX  - a  Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Bank loan ( personal ) was transferred/bought out from a credit union, which we still pay monthly and it is showing up on my credit report as a charge off from 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 10/30/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The representatives were very rude and telling me I 'm responsible for a debt from 9 years ago. Continuing to ask me you still owe the debt and it does n't matter how long ago it was

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 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: Please fix recertification date on both loans. Please also check all details of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by Diversified Consultants in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with XXXX and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Sunday XXXX XXXX XXXX we noticed that {$5000.00} had been charged to our checking account at, BBVA Compass Bank, 2 days earlier. The Bank has no fraud department to report to weekends. Monday XXXX XXXX we went to the banks branch office and reported the fraud. They told us they did not handle such things! Instead they contacted the head office fraud department and we had to wait for 1 hour before anyone answered. Finally the fraudulent activity on our checking account was reported, the account itself closed and we opened a new account. At that time we asked when the we would have our money back in order to pay our upcoming bills. We were told when the investigation was done and that could take up to 10 business days. After 10 business days we contacted the fraud department again and we were told it can take up to 90 days or more. We know under Regulation E, the bank has to reimburse us in ten days but obviously they refuse with no further explanation. We have been clients with the bank for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (OR).
Issue: Application, originator, mortgage broker

Complaint: Key bank, XXXX, oregon three years ago nearing retirement my wife and i decided to apply for a fixed interest home mortgage we applied for a locked 3.75 interest rate.we were assured we qualified and signed the contract.the loan officer XXXX would only accept our phisical address even though we told her the U.S.P.S. would not forward our mail .after 50 years of banking at key bank i took over our financing. We just realized we had never received a statement key bank on this loan .key bank finally sent the current statement to our post office box .we immediately realized our loan was actually a variable rate loan and rates were rising. XXXX admitted she had dropped the ball ll and would recommend we be given our original loan rate. XXXX, XXXX, s boss denied the request .We are currently in limbo and our retirement in jeopardy. Please help XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (TX).
Issue: Trouble during payment process

Complaint: The eye of Hurricane Harvey came through here on XXXX XXXX. U.S. Bank holds my mortgage and now also the insurance claim monies awarded by XXXX XXXX XXXX XXXX. U.S. Bank is refusing to release the money so I may continue restoring my house. At their instruction I have submitted endless piles of paper, including reconstruction contracts and even cancelled checks. Their intentions clearly are not honorable. Their representatives on the telephone refuse to disclose their names or transfer my call to a more knowledgeable person. This has now gone on for over three months and we are financially desperate. Matters are at a total impasse. In my opinion this continuing refusal to release funds constitutes theft. Twice I have been promised money if I will just take specified steps. Both times I complied, only to have more indefinite delay placed in my path. The creditability of U.S. Bank is at zero.

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 08-04-2017 about Debt collection (Other debt) with RS Clark and Associates, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX To whom it may concern, R.S. CLARK AND ASSOCIATES Debt amount {$320.00} Opened XXXX XXXX,2012 the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this debt from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (AR).
Issue: Trouble during payment process

Complaint: Specialized Loan Ser vicing ( SLS ) has been notified on at lea st five se parate occasions, starting over a year ago, that I did not receive my  XXXX  Mortgage Interest Statement for the year  XXXX . The las t two call s I made, which have occurred today and  two mont hs ago, resulted in redundant information being given to me, again. The lady stated  XXXX  and  XXXX  statements were mailed, but there is no  XXXX  statement to send me ; that it was never generated. Today 's lady told me that I would have to contact the IRS directly to request them to send the information to SLS. This makes no sense to me. I 've received  XXXX  extra copies of the  XXXX  statement, instead of the  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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX  and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

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 explanation
Consumer complaint received 03/31/2017 about Debt collection (Medical) with LAW OFFICES OF MICHAEL K. SIPES (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Around XXXX XX/XX/2017 I hear a loud banging of the door of my residence. I peak out my window and do n't notice the XXXX car parked right outside. 
A man keeps banging out my door and now yells if I ( says my full name ) did n't answer that he threatened to call the Sheriff 's Department. *My brother is a witness to this entire incident. 
With fear of possibly being arrested I open my door where a XXXX man in plain clothes with XXXX hair possibly in his XXXX 's hands me what is now a Summons against me that states I am being sued. He does not give me his name or where he was from.

Company response to consumer: Closed
Consumer complaint received 04-05-2015 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My property was foreclosed on XXXX XXXX, XXXX. The status REDISPOSED back to the lender. The Judge said I am no longer responsible for the mortgage anymore. I am free from the debt! Now I have Real Time Resolutions trying to collect the mortgage debt from me after several years later. I explained to them that I was foreclosed and release from any debt from the mortgage. I do not own the property anymore and it went back to the lender. Experian would not delete account because the account has to be closed. I contacted XXXX and asked them on XXXX of XXXX the account is over 7 years old and needs to be deleted which I do not own this mortgage! XXXX the customer service rep said the Real Time Resolution is going to a positive status between XXXX XXXX to XXXX XXXX. Again I explained to him that it was giving back to the lender and why would I pay for something I do n't have. XXXX said it will stay positive in good standing section. Again I do n't own it and I ca n't buy anything with this showing a balance of XXXX which I do n't own. XXXX said they can not Re-Aging of the account, because its illegal. It will stay on your credit showing nothing. For it to completely come off the credit report Real Time Resolution have to closed the account. Its been over 7 years now and I like to purchase a house but I ca n't. Please help me with this situation ... thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A company Called XXXX of XXXX XXXX has put an Item in my credit Report. When I called them they said they cold not send me a bill to XXXX ( They say they do not send bills out of state ) and I have never received any notification from them ( they told me they sent XXXX notifications, None which I received ). The just asked for a credit card number to pay an Item that I have no knowledge of. When I moved to XXXX I put in a change of address and have not ever had a problem receiving my mail. I have never received any letter or notification or Phone call from XXXX of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had opted for paperless billing statements from Kohl 's a few years ago and had not had much problems. However, I had been receiving too many marketing emails and opted out of them a few months ago. After that, I did not receive any paperless billing statements from Kohl 's but I was n't making many purchases. I have always found their online system to be very slow and hard to access. I finally was able to access it a couple of weeks ago when I realized I had n't received a bill for a suitcase I had purchased. I was puzzled because their online software system sent me an email saying thank you for registering, even though I have been a registered user for years, when I accessed it to check on the bills. It also kept telling me that my email provider had changed and that was n't true either. My email address is still the same as it has been since 2007 and was correct in their online system. I found 3 billing statements that were never sent to me and that Kohl 's had been adding fees and interest charges to my bills. I called them and sent them secure email messages explaining all these inconsistencies. They only removed some of the fees and none of the interest charges, basically telling me it was my problem and not theirs. I finally received the 3 bills by mail as I asked for, none of which I was even informed was available when they were. I think they made a software update that caused a problem and are charging me for the resultant problems because the fees to do so are so high. I have now switched to paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments

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 04/14/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late!

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, my wife and I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement.
On XXXX XXXX, 2017, after the purchase was completed, I noticed on XXXX XXXX that I had received XXXX ( XXXX ) hard inquiries from this transaction. According to the XXXX details shown on this service, the XXXX  ( XXXX ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XXXX/XXXX/2017 ) 2. XXXX XXXX ( XXXX/XXXX/2017 ) 3. XXXX XXXX ( XXXX/XXXX/2017 ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XXXX XXXX, 2017 - Phone call - left a voice message 2. XXXX XXXX, 2017 - Email to XXXX XXXX 3. XXXX XXXX, 2017 - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : 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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: WE borrowed money for our oldest daughter to attend college and began paying it back after graduation in XXXX. In XXXX we filed a chapter XXXX bankruptsy and the trustee took over paying on this loan. At the time she took it over we still owed {$3800.00} on it. She paid on it for 5 years and paid it off. We have proof of payments. But 6 months after our bankruptsy was discharged we got a statement from Navient that we still owed over {$1100.00} on the loan. I sent everything that we had to Navient showing them every payment that was made. Our trustee paid to an address in XXXX and Navient 's were billed out of XXXX XXXX XXXX. They sent back what they had and our records do n't match. They do n't show all of our payments/ I 've sent copies to them over and over and called them repeatedly, to no avail. Today in the newspaper i saw the article about the complaints several consumers are having with Navient. You can add us to that list. I have proof that our loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loans were incorrectly serviced and has ruined my life, my credit report, and my childrens lives. I began receiving loans in XX/XX/XXXX. Now i have a ridiculous loan amount of {$74000.00}!! Account numbers are even wrong. Balances are wrong. Navient has even had debt collectors call and mail me about the same account! 11 years? Then start a new account just to kill my credit? Every loan has a rate over 3.4 %

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with U.S. BANCORP ().
Issue: Account opening, closing, or management

Complaint: I have been banking with US Bank since I XXXX from US Military in XXXX. I live overseas and informed them of this when I opened the Account there they said there was no problem with this. on XXXX XXXX XXXX I received a letter from them saying they were closing my account in 10 days from the date of XXXX XXXX XXXX this gave me 3 days to find a new bank and get my direct deposit tranfered almost impossible due to me living over seas no reason of why was given. I contacted them the person I talked to said there was nothing listed for my account to be closed. I have repeatedly requested information on why my account is being closed. I have never bounced a check or had overdrafts on my account. they will not give me an explanation on why except keep saying I live overseas. Since I opened the account with them knowing I was going to be living overseas I asked them for a copy of there policy stating that I can not live over seas and bank with them. they have not provided this policy to me as of this time. I am wondering if this is Legal for them to close my account on this sole reason and why they wo n't give me time to find a new bank and get everything transferred before they close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation