milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (OK).
Issue: Managing the loan or lease

Complaint: Purchased new Nissan in 2013 setup due date thru dealership for mid month. 1st and only statement every mailed to me showed due XXXX of each month.made monthly pymts per this statement on bank auto pay, setting up online acct this morning and finding out for 1st time that I have been charged ) ate fees for 2yrs for paying late, but did not report because acct still considered current, Never called or contacted in anyway to advise me of this, even when I called for help setting up acct online Rep. Did not even say anything about this only found out once I could log into acct. Was told just pay at end of contract. After some time on phone did get XXXX dollars waived but feel should not have to pay any of these fees because I was Never told about this or sent statement. Nissan first said statement mailed to bank because on auto pay? Not sure why because my bank would have mailed them a ck in my name never requested paperless did n't even know acct # this is why I called when setting up acct, if I had not been setting up online in 3 more yrs loan would never pay off because I would continue being charge fees for late pymt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA -they are required to " ... Promptly delete all information which can not be verified. '' that i have disputed. 
Please resolve this manner as soon as possible. 
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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

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 01/23/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I apply for annualfreecredit report, your website said i received my credit report that not true? if could you provide me with the date and what address you sent it to? I have n't receive a credit report this year nor have i submitted a application for until today. XXXX XXXX, 2016 Friday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Adding money

Complaint: I bought an American Express gift card at XXXX drug store in NY. I paid {$120.00} for the gift card. When my friend tried to use it the gift card did not have any money on it. I called American Express, they told me that the gift card was never funded at all. I went to the store about the problem, the store XXXX did not help me at all, and he gave me XXXX customer support phone number. I called more than 3 times asking for a duplicate receipt. XXXX rep. told me that he found my duplicate receipt and later sent me a receipt. However, it was a totally wrong receipt. It was not a gift card purchase for {$120.00}. This is a fraud case. I need your help. I tried to resolve this issue with XXXX however XXXX did not care about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment. 

I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause. 

Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years. 

Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX started to call me, my family, and friends repeatedly since yesterday, XXXX/XXXX/17. He has been asked to not call and continues to call. It has caused XXXX, XXXX, and XXXX on our family when we have enough already going on with our XXXX XXXX son. I have no idea what he wants and who he is looking for. This harassment needs to stop!!!

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 01/24/2018 about Mortgage (Conventional home mortgage) with FCI Lender Services Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: This complaint is about the Forecloser Sale of XXXX XXXX XXXX XXXX ca XXXX scheduled on XX/XX/XXXX. Regarding Loan Number # XXXX, from FCI lender Services, INC ( servicer ) and XXXX XXXX ( borrower ). 

The Junior Lienholder FCI Lender Services, INC has failed to meet any of the California Foreclosure Statutes : Cal. Civ. Code 2923.5, 2924 to 2924l ; Cal. Code of Civ. Pro. 580a through 580d.  California Homeowners Bill of Rights II, and Consumer Financial Protection Bureau XX/XX/XXXX regulations by never sending periodic billing statements, sending interest rate notices or requesting a meeting to discuss loan modifications, forbearance agreements or address any type of repayment programs. 
XXXX XXXX XXXX XXXX, XXXX and FCI Lender Services, INC has had no correspondence with XXXX XXXX for 13 and a half years. 

XXXX is seeking a sum of XXXX, consisting of an original sum of XXXX, loan fees plus interest. Loan Number # XXXX has never shown up on any credit reports or made any type of inquiry. 

FCI has failed to meet any early intervention requirements, continuity of contact requirements or has made any attempt of mitigation. 

The following Parties are involved in this transaction are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FCI Lender Services, INC, and XXXX XXXX. 

Please contact me in a timely manner via Telephone ( XXXX ) XXXX, by mail at XXXX XXXX XXXX, XXXX, Ca XXXX and by email at XXXX. 

Sincerely, XXXX XXXX Mitigation is the best option. I'm more than willing to work out a payment plan with said lender.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have a a unverified accounts from XXXX XXXX & XXXX BAL {$300.00}, XXXX {$260.00}. I had previously disputed this account. I have never done business with these XXXX companies Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke to a representative of the company. He stated that my payment would be processed at XXXX the following morning. He also stated that the payment could be reversed if necessary. After speaking to my financial advisor I learned that this action would adversely affect my credit score. I later called the company back and the representative stated that the payment could be stopped and my credit report unchanged. He late called back and admitted the misrepresentation. He did offer an apology but basically stated he lied about everything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Spoke with Navient customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to Navient is XXXX and Navient is reporting on my cbr that I still owe them. Navient was paid XXXX XXXX, XXXX ... Please see attached acknowledment for Navient that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

Navient wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to Navient when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to Navient in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because Navient has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection notice from AFNI dated XXXX/XXXX/XXXX. The alleged amount owed was {$59.00}. This allegedly represented the final amount due on for cable services from a XXXX account I had in XX/XX/XXXX while living in with XXXX XXXX county XXXX service area. I called the AFNI to dispute the bill as I am certain the final bill was paid. 

I left XXXX on XXXX XXXX, XXXX so that I could move into temporary housing provided by my new employer in the XXXX XXXX area. As the temporary housing was paid by my employer, including all utilities for a six month period. I did not attempt to transfer XXXX services. I turned in the cable box and paid the final bill in XXXX XXXX and relied upon a hotspot I had with another ISP for internet service after I turned in the equipment to the XXXX XXXX XXXX in XXXX XXXX XXXX. 

After I left the temporary housing in XXXX, XXXX I moved to XXXX, XXXX and established service with XXXX once again XX/XX/XXXX. Although I have been with XXXX since that time, I have turned in equipment from one market, ( XXXX ) and reused new equipment in a new market ( XXXX ). I am well aware of the protocol. 

On XXXX XXXX, XXXX I received another bill from AFNI for {$500.00}. This is nothing less than extortion. It has been roughly 6 years since I turned in the XXXX equipment from XXXX county XXXX. I have been with XXXX since that time with the exception of the time I was in temporary housing. If I had not turned in the original equipment XXXX would have billed me for it by now. I do keep records for 3 years but it is long past that time. I was informed by the AFNI representative that absent documentation from 6 years ago they would pursue this issue. It is simply unreasonable to allow a subsidiary of XXXX ( AFNI ) to extort consumers who do n't maintain paper receipts of a transaction with their organization from years past. XXXX left hand is n't talking to it 's right hand. This bungling bureaucracy can not be allowed to extort consumers, let alone its own customers. I specifically dispute the original {$59.00} charge and the additional {$450.00} AFNI tacked on to extort me into paying the original {$59.00}. Perhaps this is one of the reasons XXXX is such a hated company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XXXX / XXXX /  XXXX   I made out a check from my business account,  XXXX   XXXX   XXXX , to  XXXX   XXXX , who never received the check. On  XXXX / XXXX /  XXXX   someone cashed this check through   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   accepted the check without an endorsement on the check.  People 's B ank then in turn received the check and paid out the {$800.00}. They are advising me that   XXXX   XXXX   XXXX   is doing  a Fraud i nvestigation, but in the meantime I am out {$800.00}.     It has now been 5 months and I have threatened  People 's Bank that  I am taking my money out of their bank. They now have given me the {$800.00}. temporarily, until   XXXX   XXXX   XXXX    do es their investigation. If   XXXX   XXXX   XXXX   does not give them their {$800.00}, they are taking the {$800.00}. back from my account.     My complaint is, why am I out {$800.00}. when both banks were not supposed to cash that check without an endorsement? They and their employees were not diligent and they should be out the {$800.00}, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: When I go online for the Free annual credit report, the security questions provided by Equifax do not apply. In other words, the selections they give does not apply to my history and I choose the answer NONE APPLY. This happens every time I try to get my annual credit report. It is too much of a hassle to go get a copy of my drivers license, pay for a stamp and drop off the post office when I 'm in a rural area. I should not have to keep going through this when I am entitled to my annual free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It seems that I am going to need to speak with an attorney in regards to the fact that XXXX XXXX and Equifax will not remove this account that is fraudulently on my credit file. I 've already make 2 complaints with your organization and nothing is being done to assist me. Here is my 4th letter to Equifax and the office of the attorney general : This letter is being sent to both parties : the office of the Attorney General as well as Equifax Information Services. This is now my 4th letter in regards to accounts resulting from identity theft reporting on my credit file and although XXXX of the accounts has been removed, this XXXX XXXX XXXX account # XXXX remains. I still have not heard back from the AG 's office and I continue to receive letters from Equifax stating that this information has been verified. 
I will make this very clear : # 1 I did NOT apply for, open, obtain, maintain, make payments on an account with XXXX XXXX XXXX # 2 I am a victim of ID theft # 3 I do not have a vehicle with this company # 4 My name is NOT XXXX XXXX. My name is : XXXX XXXX XXXX XXXX and that is how all of my debit and credit cards state # 5 XXXX XXXX states that the person making payments has the name of XXXX XXXX listed on the payment card and there are XXXX people with the same name - it was NOT ME # 6 I already stated that I do n't care if this vehicle, that I do n't have, is repossessed, if an APB is placed on this vehicle : I do n't have it, I never had it, I did n't apply for it, I have n't been making payments on it and the person who obtained this loan had my identification and other documents. 
# 7 I requested the documentation verifying this account as mine and I received nothing - in XXXX V XXXX, 1997, it states that if XXXX had acquired the actual documentation for the account and had done a handwriting analysis that they would have known that the consumer did not open the account. Congress also rejected what TransUnion stated when they said that the burden lies on the consumer to deal with the issue. 

This is not my job - this is YOUR job and you 're doing nothing to assist me! This is why the FCRA was enacted in the first place - because of the ABUSE by the CRA 's! 

Please block these within 4 business days under FCRA 605B and provide a full investigation : XXXX XXXX XXXX XXXX - I did not open this account ; block this pursuant to section 605B within 4 business days - I already told you that my car was broken into and that someone opened this using my information

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America states in complaint # XXXX, " Our records show the account was current and due for XXXX XXXX at the XXXX Bank of America acquired XXXX. '' This is 100 % incorrect. Also, IF the following is true : " Further investigation has concluded that at the time of the XX/XX/2011 transfer to XXXX, .... '', there SHOULD BE A RECORD of " Assignment of Mortgage '' between Bank of America and XXXX. The two documents provided to me by XXXX, PA Recorder of Deeds, in regards to the account in question, are the original assignment ( # XXXX ), which is under the name XXXX Bank, and was never transferred into the name of Bank of America. Also, the Satisfaction of Mortgage ( # XXXX ), is listed as " Bank of America , NA S B M TO XXXX ''. There is NO MENTION of XXXX, in any of the above-mentioned documents. Therefore, since this mortgage was never properly transferred, this deems this mortgage as invalid. Also, I do recall during the application process, I met with XXXX, and XXXX. They got the property value online, and stated I had approximately {$53000.00} in equity. I informed the Personal Bankers, I only needed {$10000.00}, to make home improvements. Upon closing, I was informed due to the XXXX/Bank of America merger ( acquisition ), signing new documents, to switch the loan to a second mortgage, instead of a Home Equity Loan, would allow the funds to be dispersed more expeditiously. Had I had known the original Home Equity Loan would have been dispersed in the same manner of time as a second mortgage, I would have requested to leave the paperwork " as-is ''. I am certain Bank of America has the ability to verify the employment of the 2 employees I mentioned. The branch was located at XXXX PA. Zip Code is 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 02-09-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I applied the XXXX Platinum Card on XX/XX/2016. My XXXX membership reward was under review since XX/XX/XXXX to now.

Company response to consumer: Closed with non-monetary relief