milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: When my credit is being reviewed companies are saying accounts are mine that done belong to 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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Portfolio is reporting an erroneous debt on my credit file. The debt is not mine and I filed a police report back in 2010. They have never been able to prove to me that the debt is mine, they have nothing signed by me. The debt is past the statute of limitations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Payday loan () with GVA Holdings, LLC (IA).
Issue: Charged fees or interest I didn't expect

Complaint: I accepted a payday loan from Northcash without realizing the higher interest rate. I was loaned {$500.00} and was expected to pay back more than {$1000.00}. I made over {$600.00} worth of payments before I realized that their practice of requiring the use of automatic ACH transactions was illegal, that the interest rate was more than the allowed interest rate for Iowa payday loan laws and that they were not licensed in the state of Iowa. I have contacted my bank to stop the ACH transactions but Northcash is harassing me and calling all hours of the night and sending collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transuniom and XXXX are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been dealing with Ditech mortgage company for 3 months. My house flooded and my flood insurance handled their report in a timely manner. Ever conversation I have had with a person from Ditech gives me a different story on how my I can get my funds in order to repair my house. It got to the point that I have used my own money, out of pocket, to repair my home. An adjuster was sent out to my house on XX/XX/2016 and emailed to Ditech confirming that my house is 100 % complete. I faxed in the final information they needed ( XXXX form ) 3 days ago. They have received this fax but tell me it will take them another 7-10 business days ( which has turned into 15 or more days in each past experience ) to overnight my check, which I am paying for them to do. I have never dealt with more incompetent, rude, and nonproductive people in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Chase claims that I am two months behind in my mortgage when I have proof that my mortgage was paid every month.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet has created unwarranted charges to my account ; I have never agreed to pay a specific amount of money but that I would pay back what I owe in student loans. However, Nelnet has made it their mission to provide an agreement of charges, which means there have become more than XXXX charges to an original account, which for them triples the 'Capitalizing interest '. They also continue to change dates on my initial date to pay, in the beginning my date to pay back my student loans was every month on the XXXX and now they are changing it back to the end of every month and slowly without any notice backwards to maybe the 2nd week before the month ends causing me to be " behind on payment '' as they call it. 

These unwarranted charges NEED TO STOP it is unfair to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i told them i had no knowledge of the collection contacting me i also had a public record that was vacated but its 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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For my report ID  XXXX , investigation ID  XXXX , Experian refuses to remove  XXXX   XXXX   XXXX  credit account that has a $  XXXX  balance and the  XXXX  account. I was a victim of identity theft and when I was overseas someone used my information to open up these accounts and used my address and information. I keep submitting and submitting complaints and nothing is done and it is n't fair. I am unable to buy a house and what is more alarming is the merchants even verified these accounts are fraudulent.   XXXX   and  XXXX  have already updated them and my scores are  XXXX  for both.

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 06/27/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IA).
Issue: Trouble during payment process

Complaint: I have a mortgage serviced by Specialized Loan Servicing ( SLS ). The mortgage includes a tax and insurance escrow. In XX/XX/XXXX, I received a tax delinquency notice from XXXX County, Iowa in the amount of {$1800.00} with respect to the property tax installment dueXX/XX/XXXX. This was curious to me, as the servicer was collecting funds to cover property taxes as part of my mortgage payment and responsible for properly remitting them to the taxing authority. Further, SLS ' account statements related to my mortgage indicate they remitted {$1800.00} to XXXX County inXX/XX/XXXX. I called SLS about the situation and they provided me with a number to fax the delinquency notice to and asked me to write my loan number at the top. I followed these directions and never heard back from SLS, and assumed that they had addressed the situation as they indicated they would upon receipt of this information. <P/>On XX/XX/XXXX, I received a tax sale notice from the XXXX County Treasuer relating to the property subject to the mortgage serviced by SLS. This alarmed and distressed me, and I went to the XXXX County Treasuer 's office onXX/XX/XXXX and redeemed the tax sale certificate for {$1900.00}. I took time off work to do this. <P/>I can not believe SLS ' handling of my escrow account and property taxes in this situation comports with RESPA or other applicable laws. I have no idea whether SLS actually remitted payment to the taxing authority in XXXX, but it was incumbent upon them to properly transmit the payment, and to confirm that it was correctly applied after I alerted them to the the delinquency notice. I demand a return of the {$1900.00} I spent to clear title to my property due to SLS ' incompetence and/or indifference, and reasonable compensation for my time wasted dealing with this unnecessary and stressful situation. <P/>I own several other properties serviced by other servicers ( XXXX XXXX, XXXX  ), and have never experienced anything remotely approaching this level of ineptitude. Fortunately, I had the resources to immediately resolve the situation before losing my home to a tax sale for unpaid taxes the servicer was supposed to be paying. Not all borrowers would be so lucky.

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 06-06-2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my annual credit report In XXXX to find a collection for Optimum Outcomes, the following has taken place since then. On XXXX17 I sent a debt validation letter to OPTIMUM OUTCOMES ( attached ) I received no response, I have proof they received it. No indication on credit report it was being disputed. On XXXX17 I sent a letter demanding they delete or send me information I received no response, I have proof they received it. Again on XXXX2017 I sent a follow up letter demanding a response, none was given. All correspondence was sent to address listed on my XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued annoyance phone calls twice a day from XXXX, XXXX XXXX from Midland Credit Management. I am not the person they are looking for, I have a different address, different birth date, different SS and they still call everyday, early morning and late afternoon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from EOS CCA XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EOS CCA purport I owe. I request that EOS CCA 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 EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have submitted numerous letters to Trans Union, XXXX and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit  bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.

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 10/14/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Deposits and withdrawals

Complaint: I had charges on my account that were from fraudulent companies and I was trying to stop them from occurring. I called Fifth Third bank to freeze my account, and they would n't so I had to pay for XXXX stopped payments. The payments did not get prevented and it was a waste of {$130.00}. I wanted to close my account, but they told me it would take 48 hours and within that time, if a transaction came through, they would open it again to let it go through. 

I then had to open XXXX investigation cases on the payments that I tried to get them to stop- because of this I had to open up a new account to move my money. They linked my current bank card to the new account and were mailing new checks that took over two weeks, and because I had no access to the full account number online and no checks, I could n't switch all of my payments over to the new account. I had to continue to use the old account in order to get my personal business done. One night after work, I made an ATM deposit using the only card I had, which was tied to the new account and because the deposit did n't go into the old account per say- and I could n't transfer funds until the next day, they charged me almost {$300.00} in overdraft fees on my old account. 

I tried to go in a bank branch and reason with them, the manager of the branch told me he had no power to reverse anything. They also had in the past, charged me fees for their own fees!! Such as the stopped payment fees- they charged me overdraft fees on my old account for the stopped payment fees they charged me. Everything is charged to me by this bank over and over again- they find any reason to take money from the customer- they are serious crooks. 

I ended up closing my accounts with them and I still have one account that was the original account I tried to close and now it 's negative {$1500.00} from all the overdraft fees they charged me, since I was not paying them for almost {$300.00} in overdrafts a couple of weeks ago- they would n't reason with me at all. I hate this bank and I do n't want to pay them a dime more. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Non-federal student loan) with Dream Center Education Holdings (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: South University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by XXXX XXXX XXXX, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I keep getting charged for interest charges at a high rate because of alleged one missed payment a while back and the interest rate does not match the amount I am paying. I would like to dispute that missed payment

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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: The  Discover Card is sued new cards for me on  XXXX / XXXX / 2017 . I also received an email on  XXXX / XXXX / 2017  that security breach occurred. I called today customer service to find out if my card was affected. The customer rep stated that the company received a message fr om one of its merchants that a security breach occurred. I asked which merchant was affected as I do not plan to use it. The rep declined to provide the name stating its privacy agreement. How do I protect myself against this? I think the Discover company should be transparent in letting know its custo mers which merchant has security weakness so the customers can make the decision whether to use it understanding the dangers.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (AL).
Issue: Problem when making payments

Complaint: I received a check in the mail for XXXX dollars with a XXXX dollar per month payoff amount for 800 dollars roughly. I called them to give them my credit card so I can start paying back the loan and they would n't take it with out me first telling them my employer. I already got the check without giving my personal information and now they want my employer. Well I 'll make payments. But they are not getting who I work for. Please help in this regard. I do n't like people talking to my employer and I think they are just out to harrass me when I am already willing to pay it back.

Company response to consumer: Closed with explanation