milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-01-2018 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 obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX XXXX 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX/2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent letter to Experian to verify account they have listed on my report. It takes too long to see the result.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On X/2017 kohls/Capone reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Billing disputes

Complaint: In reviewing my billing statement for the period of XXXX XXXX 2017 thru XXXX XXXX 2017, I noticed that my Interest Charge Calculation that my " Average Daily Balance '' was over {$400.00} greater than my credit limit. I called Capital One and no one could explain that to me. I have the statement and I do not dispute the charges but I do dispute the Average Daly Balance. My Balance started at {$2400.00} and ended {$3600.00} for a average dally balance of {$2900.00}, That is simple math. If the company is skewing the ADB of all its card holder to the right by a {$1000.00} it is defrauding the cardholders a hole lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Equitable Acceptance Corporation (GA).
Issue: Fraud or scam

Complaint: In XX/XX/XXXX, I was contacted by XXXX XXXX, XXXX to consolidate my student loans and lower my monthly payments. They assured me they were a legitimate company representing students and acted as a liaison for the Federal Student Aid. Once agreed to their services, XXXX XXXX prepared a contract and a fee of {$1300.00}. Because I could not afford to make this payment upfront, they enrolled me into a payment plan with Equitable Acceptance Corporation of {$39.00} monthly. I began making payments on XX/XX/XXXX of a monthly fee of XXXX that would go towards maintaining my student loan consolidation and their services. In addition to payments for Equitable Acceptance, I also was paying a direct amount of $ XXXX/month towards my federal student aid account. I have been paying Equitable Acceptance since XX/XX/XXXX. 

As of recent,XX/XX/XXXX, it was time to renew my information based on the income-driven repayment plan and to keep my loan amount affordable. As I spoke with a representative of Federal Student Aid, they informed me that the third party ( XXXX XXXX and Equitable Acceptance ) were not legal practices. They informed me to submit a claim onto The CFPB website. In addition, I was informed to cease any authorized automatic debit payments from my account. I contacted my bank immediately to stop payments. 

I have supporting documents under attached files from XXXX XXXX, XXXX and Equitable Acceptance. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no debts that are unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been trying for months to have this removed from my credit report. I have submitted credit disputes with all three credit bureaus without success. I have disputed directly with the collection company and I am ignored. Please help me resolve this. This needs to be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NY).
Issue: Adding money

Complaint: I went to XXXX and loaded my prepaid card with cash {$250.00} and usually the funds are loaded on your account right away after transaction is completed..But when I checked my account my money was not there..I called the card company and they can not give me any answer where my funds are..They keep telling me they see no transactions of the load to my card..I am very disappointed in the services of the bank..They keep telling me it 's a glitch in the system..But do not ask for proof of transactions to help me in any way..Please help me resolve my issues..

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Debt collection (Payday loan debt) with WLCC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I submitted previous case number : XXXX last year. Arrowhead advance said that my account was satisfied in full and they would stop calling and harassing me. I have received several phone calls at my workplace, including one today that I have in the form of a voicemail attachment, showing that they continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Lot of nothing. The problem with the response is that I had an open claim, which doctors forms shown he was terminally. And I was told since I already have open claim that would transfer from XXXX to XXXX XXXX. I had an open claim that should have paid the card off because XXXX XXXX known that it was be death and was listed if over 12 month, it would pay off card.

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Care Credit Synchrony Bank - can not make payment through automated system-rarely been able to bee advised in writing they have removed fees and charges but the balance never goes down. I have a balance of {$2200.00} for months. Asked to speak to Call Center Supervisor. Cust XXXX- Care got someone in Collections- sorry can not transfer you. [ XXXX ] XXXX Badge XXXX - Made payment! Confirm # XXXX XX/XX/XXXX {$110.00} They continue to call as " UNKNOWN ''. Do not know if tel spoof or what! Just have them post what they promised earlier-

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 02-09-2018 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

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 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has consistently misallocated my student loan payments. After causing this issue themselves they begin harassing me with at least 3-4 phone calls a day in order to collect payment on loans that have been paid and should be current. When I call them to resolve the issues their representatives never fail to prove themselves incompetent in handling affairs they should have a great deal of specific training for and experience in, either making the issue worse by misallocating even more money or simply not understanding how to deal with the problem in the first place. One thing you can be sure of is that something that should have been taken care of in one call will need atleast a 2nd and 3rd call to get close to being resolved. 
In my most recent interaction I called about a delinquent loan. I spoke to 2 different representatives who were right next to each other at the time of the call. I mentioned that my payments were not being applied correctly and the first representative 's solution was to move a payment amount FROM the delinquent loan TO a current loan in order to fix the delinquent loan. I pointed out the obvious, saying this made absolutely no sense multiple times and questioned both representatives as to how this would actually fix anything. They could not give me a specific answer but reassured me that the problem would indeed be corrected. Here I am 3 days later, the delinquent loan is now even further past due and states that instead of owing less than XXXX dollars on it I now owe almost XXXX dollars towards the loan. I now have to waste the time calling back to deal with another representative who I have no confidence will have any idea how to handle the situation and correct the errors as per my usual experience in my 10 years of repaying these loans with XXXX and now Navient and deal with the XXXX of these XXXX which is exacerbating symptoms of my XXXX during a time when I am not even able to work because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Reporting Incorrect Amount on my credit report currently as of today XX/XX/2017 showing {$1000.00} due however a payment cleared my XXXX checking account. ( see attachment ) Since they are not interested in recording the payment per FCRA regulations, Please review the documents and upon completion of review have this collection account removed and blocked from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Please cross reference this complaint with a previous filed complaint # XXXX against XXXX XXXX XXXX. Bank of America , N.A . ( " BANA '' ) was the previous alleged servicer/debt collector for the loan. On XXXX XXXX, XXXX, I sent a letter to BANA ( attached with complaint ) requesting information on a Beneficiary Declaration. I asked if a Beneficiary Declaration was sent to the foreclosure trustee company, XXXX XXXX XXXX and if one was sent, to please send me a copy of it. I received a response ( attached with complaint ) from BANA, dated XXXX XXXX, XXXX. The response did not answer my question, and instead it totally ignored my request and directed me to ask any questions to XXXX. I sent follow-up letters ( attached with complaint ) to BANA on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, requesting the same information in both. I have yet to receive any acknowledgement or response from XXXX at the time of filing this complaint on XXXX XXXX, XXXX. I request that the CFPB compel BANA to answer my request and provide the information requested. BANA has my permission to communicate with the CFPB on this matter. 
The subject property is XXXX XXXX XXXX, XXXX WA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to protect my data and it was sent out of their systems to an unknown entity. This breach impacts me directly, I can not opt out, I can not stop it, they collect data and don't protect it. Their systems sent the data out, this violates Section 604 of the FCRA ( Permissible Purposes ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free credit report online and I had to answer questions that was supposed to be in my file and only i should know the answer well i could n't answer the questions because it asked me about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices they gave me so they said that there 's a security issues

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I really do n't know what my options are, if any. I had cable in my name and my mother was living with me. I moved out, and allowed my mother to keep the cable on at that address in my name. She then moved and transferred the cable to her new addeess. She ended up accumulating a large bill and was unable to pay it. The debt went to collections without my knowledge of the situation. XXXX XXXX never contacted me, the account holder, that the debt was going to collections, and neither did my mother. I realize I screwed up by allowing my mother to do this, but do I have any options here? My mother totally ruined my credit with credit cards she opened in my name when I was XXXX and I finally got my credit score to a good level.

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 08/24/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (MD).
Issue: Application, originator, mortgage broker

Complaint: Since I 've already paid into the process of the inspection, the refinance office has been especially slow in answering questions I have to get my loan processed. They have at times made me wait 48 hours ( possibly longer as I 'm still waiting ) for an answer to valid applicable questions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX # XXXX  3.XXXX XXXX XXXX XXXX # XXXX   4.XXXX XXXX # XXXX  I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing statement

Complaint: Synchrony Bank who have in recent times come to hold at least XXXX of my store credit card accounts habitually ( XXXX times a year for each account ) fail to send monthly statements for my accounts. They claim to have sent them, but I have trouble believing that since none of my others accounts seem to have this problem. When they do send statements they arrive with due dates that are frequently less than a week away and then they claim that the payment made through my bank 's electronic banking system was received late even though the payment is taken from my bank account. Then they charge past due fees that exceed the amount of the payment due and jack-up the interest rates. I believe that they are violating the law on several points and have cost me large amounts of money as well as aggravation.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (SD).
Issue: Application, originator, mortgage broker

Complaint: I have been waiting 6 years... YES... 6 years... under the constant promise that my bank ( US Bank ) was going to get us an affordable mortgage so my wife and I could keep our home! Anyone who hears this story can not conclude that this is our fault! The bank has held all the cards. They have been stringing us along with the hope that we were going to be able to save our home. I have laid out all the particulars in my complaint, including the FACT that US Bank lost all of our documents! ALL... lost... and yet somehow it 's our fault that we have been delayed and have not been given an affordable payment. That 's all we have been asking for!! We have paid for over 15 years, almost {$2800.00} a month and yet we can not find someone at US Bank to get us a lower payment so we can keep our home! Now, we face being foreclosed on! We are more than angry! We want US Bank to pay for our delays, and all the charges we have accrued from their incompetence!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Flurish Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiry issue tu refused to remove

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 04/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwe increased my payment by XXXX starting XXXX/XXXX/XX/XX/2015 I asked them to justify the increase. They claimed it was for an escrow shortage. They showed a negative XXXX for last year 's escrow. I sent my payment and sent XXXX towards my escrow until they responded. Ocwen asked for XXXX and some change. Meanwhile I already sent another XXXX towards the escrow shortage. By another letter they asked for XXXX. I sent the balance of XXXX. I received a call on XXXX/XXXX/XX/XX/2015 and Ocwen said my adjusted payment was not my former payment of XXXX as discussed when I XXXX inquired but the payment is now XXXX a month reflecting a larger escrow amount and asked when I would be sending it even though my account is current. My payment they said would not go down. I lost my patience asked them to check their math and hung up. I sent XXXX for XXXX XXXX XX/XX/XXXX payment. I need assistance sorting out the inconsistencies. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: After years of reviewing credit reports from the big three on a rotating basis from the web, Equifax now demands that I print and mail a form, and attach copies of other documents. This has happened after Equifax failed to secure our data, and now appears to wish to make the process more cumbersome for consumers in order to reduce the number of people following the process to actually see if they have been compromised. I 've been at the same house and same job for 25 years so it is not feasible that they need additional information from their paper forms. SImply, it appears that they have, for their own purposes, defeated the concept of Annual Free Credit Report to Nuisance Copy/Print/US Mail Credit report in a month or two or three.

Company response to consumer: Closed with explanation