milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
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 11/29/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit card protection / Debt protection

Complaint: I was enrolled in a credit protection program through my Macys credit card. I opened up my Macys account several years ago and last month I got a letter saying I would be enrolled in a credit protection program. If I did n't opt out, my account would be charged a percentage every year as part of the program. I called Macys customer service and asked how I was enrolled in this service. The woman first said that I signed up for credit protection when I got my Macys card. I told her that I 've had my Macys card for several years and only received notice last month that I was enrolled in credit protection. She then said that this service was added to all accounts, letters were sent out informing customers and if they did n't opt out then they would be enrolled in the program. That if someone did n't receive the letter or it was lost, they would have no way of knowing they were enrolled until charges started showing up. I told that I think this is illegal and would be reporting it to this Bureau.

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 monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 recently disputed the following accounts with XXXX and requested validated proof of collection accounts or " remove '' from my credit report. XXXX is to make sure or demonstrate that ( something XXXX is true, accurate, or justified. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX I have sent these letters with return receipt attached and have verified that they have received my request for complete removal of these account. They have ignored my dispute requests and instead of make sure this information is 100 % accurate, they have violated the law by continuing to report these accounts as " accurate '' with NO proof. 

I even called on XXXX/XXXX/XXXX and spoke with XXXX male representatives who were completely rude and even told me that the FCRA doesnt require them to get any proof of re-disputed accounts if requested by consumer. XXXX, whom i spoke with first, told me that he didnt care what FCRA laws I was reciting, and he laughed and when I asked to speak with supervisor he hung up on me which prompted a XXXX call. When i called back i reached another agent who at first seemed professional but tried extremely hard to get me off the phone. When I asked why had n't i received any validated proof yet these accounts still remained, he said he didnt have them, but they conducted investigation and all they needed was a response from company stating that information was " correct '' with no valid physical proof. 

I disagree with Experian and how they have conducted my countless disputes to rectify this issue that has caused me and my family such hardship. Experian has displayed such poor procedure and policy to insure maximum accuracy within my credit report yet the law is crystal clear as to there legal obligation to remove such accounts that can not be verified.

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 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I received a letter fromDynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX stating I owed {$360.00} to XXXX XXXX with no date of services. Account # XXXX. I called the XXXX XXXX number on the number and spoke to XXXX. He demanded money and I had to actually shout at him to get him to stop so I could ask him some questions about this debt. He finally told me that this was from a hospital in XXXX, XXXX.and it was prior to XX/XX/XXXX. I have never been to XXXX, XXXX prior to my cross country trip in XX/XX/XXXX. I was never hospitalized in any hospital in XXXX. When I pressed him for details and a formal billing, he would not provide that, not even a date of service. But he proceeded to demand money. I am not paying for a bill which I have no idea of it 's validity. When asked if they could contact me, I told them not to call. only correspond by mail. Please get them to cease and desist as this is nothing more than a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with Genesis Credit Management, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I rented a property from XXXX XXXX that almost XXXX  me due to XXXX XXXX XXXX.. I contacted the property manager XXXX XXXX and informed them that I had been diagnosed with XXXX XXXX XXXX my family pet XXXX my niece and nephew were also sick and that the XXXX XXXX XXXX cut off the heat due to the flex line leaking carbon monoxide. Immediately the manager XXXX got really mad. I told her there were no carbon monoxide detectors and that I would need a heater due to the heat being shut off because it was supplied with gas. Then they told me they would not and that they wanted me to move because I was causing them a Hassel. We almost went to court but after many documents we came to resolution and there was no debt owed. I have called them and asked them to remove the fraudulent debt and they claim they will continue to ruin my credit in retailation for the costs of fixing the flex line which had nothing to do with me. I have contacted the credit companies as well as the collector that has been trying to collect a debt I do not owe I also sent him the court document showing there was no judgement and the case was dismissed. They have not been willing to take it off my credit and I am homeless due to this false debt that they claim I owe even after I Almsot XXXX and my family pet did XXXX and my niece and nephews were sick due to there inhabitable living rental that they rented me

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transition is reporting a balance due to XXXX of {$4200.00} while no balance is due. I spoke with XXXX on XXXX/XXXX/16 and was told that they have reported to all credit agencies that no balance is due and recommended I file a complaint against Transunion as it is their error. Both XXXX are reporting no balance due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I am a XXXX XXXX XXXX XXXX single mom on a fixed income. I have two checking accounts due to various deposits, but usually move all money to one or the other for the convenience of my son who helps me with driving/groceries. I check the balance of the both accounts twice a day, once in the morning and once minutes before XXXX the cutoff for Bank of America running through charges, according to their representatives. On multiple occasions now, I have checked at XXXX to find a positive XXXX dollar balance in the empty account only to open it up the following morning ( approx 12 hours later ) to find multiple charges run through along with overdraft fees for each item of {$35.00} a pop. This certainly does not provide for me the 24 hours or a single business day that Bank of America says they provide to cover overdrafts with transfers or deposits. When attempting to contact the bank about the matter, I 'm told the amounts must have been " processing '' and I simply could not see them. I state I can see " pending '' transactions and they were not there at XXXX and some seconds. They state they must have been " floating '' out there. That still does not provide me the business day to cover the overdraft. In the past month, Bank of America has charged me in {$350.00} in fees in this manner. This certainly feels illegal, and certainly unfair business practices, and I would like for it to be investigated.

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 monetary relief
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX. XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a 100 % correct because the owner of the property was illegally billing my account. I have never missed a payment for 8 years and I have established a great trust with these XXXX. and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for 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 02-01-2016 about Consumer Loan (Vehicle loan) with Prizm Financial Company, LLC (DE).
Issue: Managing the loan or lease

Complaint: PRIZIM Financial based out of XXXX, OH is the rudest, most abusive company that I have ever come into contact with. I called them regarding a mix up with my auto payment not coming out and they screamed at me, sent several emails back to back, threatened me with legal action ect, sent me emails accusing me of not having car insurance and bouncing payments and all for a payment that was only 18 days behind. Prior to this I had never been behind and I have never been more disrespected when dealing with a company than I have with Prizim financial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks

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 10/21/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is showing every XXXX of my credit accounts as " derogatory '' and showing XXXX missed payment for each account. I have not missed ANY payments for ANY of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I was financed by Toyota financial services XXXX@22.9 % interest my credit score at the time was XXXX and so was my cosigner low XXXX 's. the terms of the loan were for 60 months, I asked for a simple interest loan. I was told if I paid early my money would apply towards the principal balance, that did not happen, all my payments were applied mainly to interest and a very small portion to principal. During the course of my loan I did take XXXX deferments with the understanding that they would be added to the end of my loan. So my maturity date would have been XX/XX/XXXX but it ended XX/XX/XXXX. 
So each month I was paying a little more than the balance due to help prevent further interest charges, but I did not see any benefit during the life of my loan. 
Every statement did not have any late fees or " other charges '' due on my statements, then I look at my final payment on XXXX/XXXX/16 for {$3900.00}, I was appalled. Where did those charges come from? 
I inquired with Toyota Financial and they advised it was from my XXXX deferments, and interest during that time. 
{$3900.00} in interest and fees? That is unfair, unreasonable, deceptive and predatory. 
I have asked three times for my payment history and have not received it. 
I took out a loan to pay my final payment of {$3900.00} because I did not want my account to charge off or to not receive my title.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Mortgage (Other mortgage) with HABITAT FOR HUMANITY INTERNATIONAL, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: ! I 'm a XXXX XXXX XXXX home owner..I got my year end statement of escrow..its overage is XXXX. I asked for full refund! They will only credit my account XXXX\month for one year $ ( XXXX ) keep the {$700.00}??? Can I get my overage refunded? I need me money back.. 
I have written several requests for my refund. I am being denied even tho they admitted to this issue..and choose not to refund my overage. I am very frustrated as they told me my mortgage will be in foreclosure if I refuse to pay since I 'm in overage ... I was just going to apply that overage credit it to my monthly payments until it 's absorbed.. 
They refuse to do either ... I need my refund escrow overage. They are trying to keep it..control it ..and refuse a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (ME).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX we filed a Chapter XXXX bankruptcy retaining our home at XXXX XXXX XXXX in XXXX, Maine XXXX. NationStar is not showing proof of payments made via the bankruptcy and stopped taking our payments. They have now started a foreclosure case against us and have not been sending statements since XX/XX/XXXX. Then in XXXX XXXX they sent a demand letter stating we need to pay {$14000.00} to cure our default. They cashed our checks up until XXXX XXXX. Our bankruptcy attorney sent a check for {$5000.00} where they were not accepting his payments and they returned this check back as well. This should have never happened as we have complied with our bankruptcy guidelines. We ask that you assist us in getting this problem rectified as soon as possible. Our home is also being shown for sale on XXXX, XXXX, XXXX, XXXX, etc and they can not sell our home as we have not been foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: APR or interest rate

Complaint: I am having an issue with getting my Apr lowered for my capital one and XXXX card us

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The was a loan on my account from XXXX XXXX that has incorrect terms that was never verified by Transunion, therefore the account was deleted from my credit file. However, it was re added without any notice, justification, or how the investigation was completed. XXXX XXXX was to submit documents on XX/XX/2017 to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.

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 06-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX  does not help their  XXXX  customers. I 've been recently deemed   XXXX    XXXX  and they do not even offer you a reduced payment. I was told by a representative that I would have to pay my loans as usual regardless of my income. They are heartless people and I would never advise anyone to get a loan through them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested verification and validation of this debt per my right under the FDCPA secti on 809 ( a ) and ( b ). This company refuses to provide. I have also disputed that this debt is not mine yet  they continue to report a disputed debt on my credit which is a direct violation of the FCRA. I am aware I can seek actual and statutory damages if I choose to file a civil lawsuit against this company. I will be discussing this matter with an attorney. My name is  XXXX   XXXX  las t 4 of  my social are  XXXX  and my date of birth is  XXXX / XXXX /  XXXX  . I am demanding that verification of debt be sent to me. Also you must have a surety bond to collect in my state and your company is not bonded therefore you can remove this from all  XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am a customer of Specialized Loan Servicing and formerly of XXXX XXXX XXXX vis a vis XXXX. I am the recipient of a {$27000.00} Dept. of Justice write down. Approximately three months after SLS acquired my mortgage, my escrow account was in the negative as a direct result of high taxes- water and property. I reside in XXXX XXXX and we have the dubious distinction of paying the highest property taxes in the state. In addition my water and sewage bills have increased for three consecutive years by a whopping 15 %. Repairs to the infrastructure of an aging city are not cheap. 
Upon inception of the servicing of the mortgage, my note was {$1200.00}. It is now and has been for several months at {$1500.00} with a {$48.00} late fee attached. I was not given 60 days to prepare for the increase, nor was I presented a payment plan to make separate regular payments at a different time of the month to resolve the negative escrow issue. Instead the high escrow payments were placed on top of the mortgage, bundling them together for their convenience and forcing me into default. 
I am always stumbling to the finish line with a payment of no less than {$1600.00}. Only about 14 % of my payment goes toward reducing the amount of the actual mortgage. Furthermore, I am experiencing a 29 % increase in payment. I have been harassed with breach letters, informed that I can enter an in-house modification, and made to feel that if I fail to get my loan caught up, I will lose my home. My experience with XXXX informs me of in-house modifications : they increased before they decreased. 

I am being made to believe that if I do not give SLS a whopping XXXX every month before mid-month or XXXX later in the month that I will lose my home of many years. I am two months and 3 weeks behind.. 
Ironically, the amount applied to the principle remains static at a measly {$220.00}. 
My suspicion is that SLS is a subsidiary of some sort of XXXX, and customers who received a XXXX XXXX. settlement may be unfairly targeted. 
I am proposing a cure that involves allowing me to rebuild the escrow through regular payments separate and apart from maintaining regular payments of XXXX.

Company response to consumer: Closed with explanation