milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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Complaint: Equifax continues to report outdated and obsolete information on my account.     They refuse to delete it because they state that the law reads they do not have to delete it until the information is outdated 7 years from the date of the last activity.     The law reads that the original delinquency date is the date when the account first became delinquent, or past due. Delinquencies ca n't stay on your credit report more than seven years from the original delinquency date, even if you pay your bill in full the very next month.  <P/> Credit bureaus are to REMOVE the outdated information on an account seven years after the original default date no matter who has bought the debt or when, the account has to come off your credit report.  <P/> Mr.  XXXX , I.D . #  XXXX , a supervisor at Equifax says is it from the date of the last activity. He does not know the law and Equifax should be fined for falsely misconstruing and violating the law. The law states it is from the date of the first delinquency not the date of last activity.  <P/> I want the outdated information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nations Star Mortgage forced placed additional flood insurance above mortgage balance. 
Mortgage balance is approximately {$53000.00}, home incurance coverage A {$100000.00}, flood policy {$56000.00}. Mortgage company demanding flood insurance greater than mortgage balance, forcedplaced and charged my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Private student loan debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've personally written numerous letters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) to the each individual company and all three Credit bureaus, to have these account removed from my credit report. These account do not belong to me and are greatly affecting my credit score. Which is also damaging my quality of life.

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 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hunter Warfield added collection to my report. I contacted them last year in regards to this item since I had no knowledge of the debt. They failed to respond with validation, but removed the item from my report. On XX/XX/2017, I received a bill. I responded with a cease & desist letter and stated I had no contract with Hunter Warfield, and that any damage to my credit would result in complaints to the CFPB and Attorney General, as well as a possible lawsuit. The item was added back to my report WITHOUT notification as is required once an item has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Payday loan) with Oportun Financial Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC/Beneficial does not know how to do basic accounting. The error occurred in XXXX XXXX when they applied payments received for the XXXX mortgage payment to XXXX XXXX. This is evidenced by their letter dated XXXX XXXX, XXXX which stated that we could lose our home because it was 30 days in default. They sent a total of XXXX copies of this letter : XXXX that were sent certified mail ( 1 for my husband 1 for myself ) to the same address and XXXX that were sent my regular mail. Apparently they do n't know how to read their own records. At that time they knew the loan had been sold to XXXX as they sent us a letter dated the same day notifying us that the loan would be serviced by XXXX effective XXXX XXXX, XXXX. In that letter they tried to collect {$2200.00} by XXXX/XXXX/XXXX which is past the date that they would be servicing our account. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the records sent by HSBC employee XXXX XXXX that were sent post " XXXX XXXX reconciliation audit. '' How many different audits does it take? 
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS Attorney General 's office : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS Attorney General 's Office. This starts the cascade of accounting errors which they are still unable to correctly identify and rectify. They also spent 2 years telling us that they had no responsibility to rectify the errors they passed on to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with U.S. BANCORP (MS).
Issue: Billing disputes

Complaint: MY CREDIT CARD COMPANY WILL NOT GIVE ACCESS TO MY ACCOUNT. I I NEVER RECEIVE PAPER STATEMENTS TO CHECK ACTIVITY I HAVE TRIED TO REPORT {$3100.00} IN FRAUDULENT CHARGES THEY WILL NOT ACKNOWLEDGE OR RESOLVE THEY WILL NOT PROVIDE ME WITH ANY STATEMENTS THEY WILL NOT GIVE ME ACCESS TO ONLINE ACCOUNT THEY HAVE REFERENCED XXXX DIFFRERENT ACCOUNT NUMBERS WHEN SENDING EMAILS. 
I AM NOT ALLOWED ACCESS TO ANY OF MY INFORMATION. 
THEY APPROVED UNAUTHORIZED CHRGES MADE OUT OF COUNTRY WILL NOT ANSWER ANY OF MY QUESTIONS REGARDING MY ACCOUNT THEY RE-OPENED CLOSED ACCOUNT WITHOUT MY KNOWEDGE HAVE OPENED NEW ACCOUNTS WITHOUT MY APPROVAL IGNORED ATTEMPTED CHARGE DISPUTES WILL NOT PROVIDE ME A TRANSACTION HISTORY WILL NOT ASSIST WITH ACCOUNT LOGIN INFORMATION DID NOT RED FLAG SUSPICIOUS ACTIVITY

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 05-06-2017 about Debt collection (Auto debt) with Empire Acceptance Company, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have re ceived 25 cal ls this and different family members as well received them.   The debt collector by the name of  XXXX   XXXX  and her co conspiracy has called my family and me saying the they are going to lock me up if I do n't pay an owe dept.    XXXX   XXXX    stAted they where a law firm by the name  of Empire a ssess management. Company. Well I asked for the lead  Attonerny nam e and bar number., he said that is private information.   He gave the address of the office  XXXX   XXXX   XXXX   XXXX  New York.    XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX   )   XXXX   XXXX  the agent made a theat to come harm me if I do n't send the money  by    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with National Account Systems of Omaha, LLC (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from XXXX XXXX on XX/XX/XXXX stating the amount of my debt is {$640.00}. I checked my credit report about a month ago ( XX/XX/XXXX ) and that was still the amount listed on the debt. I received a letter from XXXX XXXX on XX/XX/XXXX and they are now saying the amount I owe is {$1000.00}. The letter from XX/XX/XXXX is offering me a settlement of {$500.00}. I contacted them offering them {$300.00} to settle and informed they are charging me more than my balance when my account was charged off/closed. He stated they are charging me 17 % interest and I should write a check for my original amount of {$640.00}. When I said I would pay {$300.00} he said he wasn't going to negotiate with me. When I stated they were already trying to negotiate with me he said he had no record of it and I read the letter that was sent to me he said I should just pay my original balance and I wouldn't have a problem. I asked for his name and he wouldn't give it to me and he ended the 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
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Debt was first published in XX/XX/XXXX.  Found out in XX/XX/XXXX because almost lost my clearance at work. Talked with representative in XX/XX/XXXX about why I did n't pay debt because apartment was mold infested and I have the pictures to prove it and was debating on weather I was gon na to sue. The rep stated he wanted to see them and he would send me the material to send them in. I never heard from him again and the debt was taken off my report. So I decided to forget it. 

Now it is back on my credit report again four years later, with no prior written notice. When I called National credit Systems, I was told it probably just fell thru the cracks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Taking out the loan or lease

Complaint: I have a very old auto loan from SANTANDER CONSUMER U. They reported my last payment as XXXX 2015 to the credit bureaus I have n't made a payment or heard of this loan in many years. This is false information, originally ( years back ) when i signed for the loan I was quoted a XXXX monthly payment. When my first statement arrived the monthly amount was over {$600.00}. I attempted to fight this with Santander but it lead no where. This was before an agency like the CFPB was around. I attempted to pay the {$600.00} since the dealership could n't take the car back and was not able to keep up with payments after a period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. Please help 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 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX, I phoned in my XX/XX/XXXX payment and I was told that I am still one payment behind when I questioned them about the statement still showing due for 2 payments and also accumulated late fees. The payment in question, is my XXXX XXXX payment, which was XXXX of the 3 month trial payments for the modification. This payment along with XX/XX/XXXX and XX/XX/XXXX payment was phoned in on XXXX XXXX, XXXX. I was asked to send in proof of this payment, which has been done numerous times, but I still sent my bank statement showing the money coming out on XXXX/XXXX/XXXX. Spservicing also responded to my complaint filed with you XX/XX/XXXX that my loan was current and only due for the XXXX/XXXX/XXXX payment. Refer to case # XXXX. They were also suppose to fix my credit report which they have not done as of today 's date. I was told they are reporting me a rolling 30 day with accumulated late fees which I am refusing to pay because I was never late and have never missed a payment. After they applied all of the payments received in XX/XX/XXXX, I had an excess of escrow payments which they did refund to me and I also have XXXX in unapplied payments. If I truly missed this payment, how could all of this be possible? Proof of this XX/XX/XXXX payment was faxed again on XX/XX/XXXX and I also followed up with a phone call that it was received and in their possession. 
It is sad, because when you speak with their representatives, they think that CFPB is a lender and NOT the consumer financial protection bureau. I never had a problem with them, when I was paying at a rate of 5.875 % on an adjustable rate mortgage. As soon as I was granted the modification, that is when all of these problems started for me. I feel that there is some discrimination going on here as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I demand that Seterus return any money they have received toward the supposed servicing of my loan! It has never been my intention to pay anything to Seterus until they provide legal documentation on the proper, and legal, transfer and ownership of my loan ( as per legal record XXXX does not own the loan ) and then legal documentation/authorization from the owner that Seterus is servicing the loan. I 've asked for such documentation since Seterus first began their extreme harassment and I 'm still asking for it. I also spent years asking XXXX XXXX XXXX for this information and I have received XXXX of pages of documentation, even forged documentation, but still nothing regarding the ownership of the loan. I simply did not realize that Seterus was forwarded funds from XXXX and Seterus is simply holding and benefiting from holding funds by not at very least applying to funds toward the principle of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Payday loan () with National Credit Adjusters, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: Creditor sold loan for more than I owed and now they are constantly harassing me at work and home even after I ask them to stop calling and simply mail me information. 

XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast XXXX on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full XXXX XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. TransUnion even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular TransUnion ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you

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 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I initiated a 0 % balance transfer around XX/XX/XXXX and paid the fees for the use of the credit. From the beginning until XX/XX/XXXX, I was charged no interest. In XX/XX/XXXX A charge subject to 14.99 % interest totaling about {$27.00} was placed on the card, rightfully, which caused a minimum interest fee of XXXX cents. My minimum payment was about {$73.00}. I made a payment in XX/XX/XXXX of {$80.00} and a payment in XX/XX/XXXX of {$70.00} ( minimum payment went down to {$67.00} ), and then I made a payment XX/XX/XXXX, prior to the due date of XX/XX/XXXX totaling {$160.00}. Well above the minimum payment, and yet, I was still charged the XXXX cent minimum interest fee. There have been no other charges beyond the {$27.00} and my balance transfers are still 0 % and still within their term. <P/>I contacted the Citi XX/XX/XXXX to inquire about why I was still being charged interest and they told me that they charge interest on all balance transfer, s even 0 % offers, and they had no explanation as to why I had several bills with no interest charged until XX/XX/XXXX. <P/>My understanding is that credit companies are to apply amounts beyond a minimum payment to balances with the highest interest first. This does not appear to be happening.

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