milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am submitting this complaint about experian and XXXX XXXX XXXX. I have this account " XXXX XXXX XXXX '' reporting on my experian credit report that is a result of fraudulant charges. The rep I just spoke to at experian did a 3 way call with XXXX XXXX  XXXX to finally try and resolve this issue however I was told that it might be too late to report this card as fraudulant charges made on it and I need to contact the fraud dept and or the collection agency. I explained that I spoke to the CEO for XXXX XXXX XXXX XXXX XXXX and it was agreeded upon to remove this account off my credit report. XXXX had finanilized there investagation and it was removed off my report however experian will not delete it nor will XXXX XXXX XXXX. I was suppose to be mailed awhile ago fraud forms to fill out but never received the forms. Now I am being told it might be too late or I might have to settle the debt with the collection agency. I explained to the rep at XXXX XXXX XXXX " XXXX '' that I am not going to pay for something that I did not purchase. That 's not right. She explained to give them a call. I asked what if I am told the same thing that it 's too late to report these charges as fraudulant?. I am left with this debt reporting on my experian credit report and again that 's not right because it is affecting my credit score for something I did not do.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 DBA XXXX XXXX has on my credit file a {$280.00} dollar amount showing on my credit file. There is no {$280.00} dollar written off amount. 
there is no money owed on this account or written off. 
I need proof as I have provided to Experian that the account was paid off and there is no amount owed. 

I have mailed from the creditor as proof there is no written off amount or balance owed. 
I have provided a letter from the credit department to show proof of the 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 non-monetary relief
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I 'm house wife and not involved husband 's business and Bank of America reported to XXXX with my husband ( complaint number # : XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Today I called FedLoan, my servicer, about a payment question. When I mentioned the lump sum I made in XXXX 2017, to reduce my principal and by default the interest, he said it was being held in a " paid ahead '' folder. The lump sum was {$9000.00} which would significantly reduce my accrued interests, if applied. My account summary displayed the lump sum as if it had gone through, I did n't know it was being held anywhere. 

Basically, each month a portion is taken from my " paid ahead '' folder and applied to my loans rather then applying the whole payment right away. That way FedLoan can keep accruing more interest. I had my " paid ahead '' folder removed that I did n't even know existed. There was no email or clarification of this. Maybe in fine print somewhere, but these type of practices need to be made significantly more clear.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 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: Public record information inaccurate

Complaint: I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from XXXX XXXX an Equifax, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Struggling to pay loans due to current income when I got behind I received numerous letters from Sallie Mae stating to call to find out repayment options. Well, when I called I got very rude answers and was told there were no options for me besides to pay my loan. When I mentioned, I was told there were other options they refused. Consignor even called and was given same cold shoulder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Payday loan) with EZCORP, INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: EZ Money Loans had a person by the name of XXXX XXXX call my wifes phone. Said he was a state attorney for XXXX XXXX texas. i called the XXXX XXXX district attorney and asked if he worked for them as a state attorney and he does not. he said there are XXXX felony charges being pushed against me and also a failure to appear. said i would be expedited from my home to texas and imprisoned. this person was trying to extort money from me off a payday loan in which i lost my job and could not pay it back. the loan was taken out when my account was active and working. he said their company tried XXXX times to charge the account and it was sent back as insufficient funds and the XXXX time it was sent back because the bank closed the account. he threatened my pregnant wife to have me pulled from my home and put in prison over a {$600.00} payday loan from XXXX 2013.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been trying to resolve the multiple negative accounts on my credit report. The Credit Bureau Transunion is neglecting to verify the accounts properly and i feel that my FCRA rights have been violated because I was denied copies of documents that were supposedly used to validate the accounts that were disputed on my credit report. 
On XX/XX/XXXX I sent in a letter asking for them to provide me with an original documentation and who and how was this information verified. 
on XX/XX/XXXX I sent a second request asking them to re-investigate the disputed items on my report and to provide me with original documentation, who and how was this information verified. 
on XX/XX/XXXX I sent a third request asking for them to again re-investigate the disputed items on my report. In the letter i again asked for them to provide me with the original documentation, who and how was this information verified. 

Attached will be the fist, second and third letter that i sent to transunion. I also will attached the receipt from the postal service as well for the first letter.

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 10/18/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: recently my bank XXXX XXXX XXXX request my credit report in order to give me a loan for a house and appear in the report a bankruptcy.I have never declared a Bankrupcty

Company public response: Company 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. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WV).
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 been late on making my loan ( truck ) payments. I pay the loan bi-monthly. I have been paying 1/2 of the monthly payment for several months. I am aware that I was late but I was told by a representative of USAA that as long as I made a partial payment I would not be reported to the credit agencies. However, I was reported as of XX/XX/XXXX. I contacted USAA to review and confirm what I was told. They would not agree that I was told by their agent that as long as I made partial payment I would not be reported because they can only go back any review calls for 30 days. I know it has been longer than 30 days. This is completely unfair. It is my word against theirs and of course, they are not going to admit what I was told by their agent. 

I completely accepted responsibility for being late but since I was told that as long as I made a partial payment I would not be reported to the credit bureaus but I can not prove what I was told and they refuse to remove from my credit file. In 29 years of being a member of USAA, we have never been 30 days late on any account ( we have several XXXX. Please review and see if this can be removed from our credit file. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Settlement process and costs

Complaint: I am working with Bank of America on a home loan. The closing is scheduled for today ie XXXX XXXX, 2015. But even after repeated requests I was not provided the closing disclosure documents. They just sent it to me and its not what we had discussed initially. They pushed out my closing several times stating they had not received some documents from the closing attorney etc. I dont understand how they can be so lax in their approach. Why cant they track progress and raise a red flag if something is not happening on time..This has caused tremendous discomfort and heartache to my family and me. Pls help..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My husband and I purchased a car through Santander. The car was repossessed and sold before we were able to resolve the payments in XXXX XXXX. The balance was being reported on our credit reports as both open and closed up until a few months ago. I contacted Santander in XXXX XXXX regarding this debt and there was no response, but the status was then changed to a charge off. The debt is past the statute of limitations and is uncollectible according to the state of MS. Santander continued to call several times after I asked them in writing not to call me concerning this debt, which implied that this debt was still collectible, continuing to violate the FDCPA. I have disputed this account on both my behalf and my husband 's but they continue to report it and update the account on both our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Franklin Collection Services has placed a collection on my credit report without notifying me 5 days prior of my right to dispute this debt. This debt has been added and constantly removed from my credit reports as I do n't have knowledge of this debt. It keeps being sold and reported without my knowledge. The law states that a debt collector MUST notify the consumer 5 days prior of their right to dispute and Franklin Collection Services failed to do this which is against the law. I have no knowledge of this account and do n't have a contract with Franklin Collection Services or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: why do they no report paid on time but if you mis s one they  report quickly?

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 02-11-2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company makes repeated auto calls to my cell phone. After calling the number, I am told the line is being monitored by court order and they are trying to sue me for fraud. The person said that unless I would like to be served at my place of employment or provide a home address, I can pay them {$480.00}.

Company response to consumer: Untimely response
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a credit account showing up on my credit reports that don't belong to me. The account is CBNA with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.

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 05/23/2017 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: Old information reappears or never goes away

Complaint: I have filed  XXXX  disputes with Equifax requesting that they remove an outdat ed 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report, It is my understanding that a Chapter  XXXX  Bankruptcy is removed from a credit rep ort seven year s after the date of filing a Chapter  XXXX  Bankruptcy. Please note that  XXXX  and  XXXX  have both removed the bankruptcy from my credit history on their credit reports. Equifax is the only credit reporting agency that refuses to remove the t he 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report.   I mailed a dispute request to Equifax on  XXXX   XXXX ,  XXXX  requesting they remove the dismissed Chapter  XXXX  Bankruptcy from my file on the basis that Chapter  XXXX  Bankruptcies are removed after seven years. I included official copies of my United States Bankruptcy Court, District of Colorado, Chapter  XXXX  Standing Trustee 's Final Report and Account document, showing that my Chapter  XXXX  Bankruptcy was filed on  XX/XX/XXXX  and Dismissed on  XX/XX/XXXX , and therefore is ove r eight yea rs old and should be removed. On  XXXX   XXXX ,  XXXX  I received notification from Equifax advising that the information was " verified '' and that they would not remove it. I filed another dispute with Equifax on  XXXX   XXXX ,  XXXX , this time online, and received notification on  XXXX   XXXX ,  XXXX  stating, again, that the information was " verified '' and it would not be removed.   I called Equifax  XXXX   XXXX ,  XXXX  and spoke to a representative that informed me that my Chapter  XXXX  Bankruptcy would not be removed because it is their policy to only remov e Discharged Ch apter  XXXX  Bankruptcies after 7 years and since mine was Dismissed and not  " Discharged '' i t will remain on their credit reporting information for 10 years.   I have searched the Fair Credit Reporting Act laws and can find no law or regulation that distinguishes the difference between a " Discharged '' or a " Dismissed '' Chapter  XXXX  Bankruptcy that would allow Equifax the discretionary authority on whether or not it should be removed from my credit report, especially since the other  XXXX  Credit Reporting Agencies,   XXXX   and  XXXX , have removed it.   Therefore, it appears that either Equifax is refusing to comply with FCRA rules and regulation as it pertains to the removal of my eight year old Chapter  XXXX  Bankruptcy or there is no consistency required among the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has twice " misallocated '' my payment and automatically enrolled me in forbearance in an effort to raise my interest rate. I uploaded a copy of my bank account statement to the Navient website proving the payment had been made. Once I proved the payment, Navient claimed it was a " back office '' issue and a hold would be placed on my account for 10 business days to resolve the issue. I called back 10 business days later and the customer service rep claimed there was no record of me ever calling and placed another 10 business day hold on my account to solve the issue. 10 business days later the issue has not been resolved and I keep getting harassing calls from Navient despite the hold being placed on my account. I am writing this today because the CFPB has filed a lawsuit against Navient for the reasons I have described above.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with Risecredit, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX , XXXX is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.

Company response to consumer: Closed with explanation