milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy in XXXX to re establish my credit after having XXXX where there were excessive hospital bills and I was laid off in XXXX from XXXX XXXX and could not recover. My intentions were to reestablish my credit with hopes of gaining credit worthiness. My mortgage was reaffirmed in the XXXX on XXXX XXXX and bankruptcy was discharged in XXXX of XXXX I just became aware that my mortgage company Flagstar Bank has not been reporting my monthly payments since XXXX and has the mortgage listed in the Bankruptcy which has affected my credit score and worthiness immensely. I am now on a mission to gain my worthiness and score back due to their horrible oversight. I have purchased XXXX vehicles in which the interest rates are extremely higher due to the negative impact as well as I have been denied several lines of credit, they have ruined my hopes at re establishing my credit. I now have several inquiries on the report for credit that I was denied for due to their mistake and oversight. I am paying higher car notes/ interest rates due to this oversight and as hard as I have been trying to reestablish myself this has held me down despite every mortgage payment being paid onetime via ACH every month and me also paying every other credit card and car note onetime. I am also spending several hours of time on the phone and internet trying to get this issue resolved and regain my worthiness so that I can move forward.

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 04/13/2017 about Debt collection (Medical) with Paul Michael Marketing Service (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They said that they was going to remove it from my credit report because the debt was paid for. My son had insurance of the time of the day of that appointment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX I asked for my credit report and they keep changing the dates on XXXX XXXX  has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. Experian has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.

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 10-09-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I 've been receiving calls from : XXXX XXXX XXXX https : //XXXX Direct Line : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Processing Dept : XXXXXXXXXXXX Customer Service : XXXXXXXXXXXX Customer Service : ( XXXX ) XXXX She attempted 4 times to reset my FSA ID and requested me to give her my password and login information, when I told her I felt uncomfortable giving this information, she said " I have no desire to steal your identity '' ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 final request on XX/XX/2016 documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with EARLY WARNING SERVICES, LLC (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/2015 XXXX XXXX XXXX force closed my checking and reported to EWS that they closed my account for transacting in an improper manner which is untrue. My EWS report has a XXXX balance but it 's stopping me from opening an account being that I ca n't get it removed by EWS.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (I do not know) with United Consumers Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX  XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this

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 07/21/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is an account with SYNCB/Jc Penny 's that is showing up on my credit report as close/charged off..the debt never belonged to me and has been charged off.

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 02-11-2017 about Credit reporting () with CITIBANK, N.A. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Citi Bank let someone else open a credit card under my name in XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts in XX/XX/2017. After I read about Citi Bank online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Debt collection (Payday loan) with PLS GROUP, INC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Did not tell me his name. Stated everything was being recorded and would be used against me. Told me if I filed for bankruptcy they would take me to court. Asked to verify the last XXXX of my social security number. Would talk over me as i tried to recall the debt. Would not let me think over the loan. Demanded I pay right now to keep me out of court. When I asked him if he could resend a letter verifying the debt, he told me " the company would not spent one more cent on me. ". Kept talking over me and arguing with me. I hung up the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, my wife and I sent a letter to Equifax asking them to investigate errors on our credit report. Months passed, and we simply could not get Equifax to respond. After countless follow-up letters and complaints, my wife finally received the results of her credit investigations in XX/XX/XXXX. However, unfortunately, even after continue follow-up letters and complaints, I have yet to receive the results of my credit investigations. It has now been six months since we sent our original letter. The fact I have received no response from Equifax is utterly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Auto) with Commercial Trade, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: COMMERCIAL TRADE BUREAU has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMERCIAL TRADE BUREAU any alleged debt and demand them to provide proof of claim with authenticated verification. COMMERCIAL TRADE BUREAU has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XX/XX/2016 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Medical) with Harris & Harris, Ltd. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX I entered into a payment plan contract with XXXX XXXX Hospitals. During my XXXX XXXX call, I spoke with the Billing Customer Service Supervisor, XXXX. XXXX XXXX forwarded me a payment plan contract, which I signed upon receipt and returned to XXXX immediately. This payment plan contract includes automatic monthly payments of {$83.00} to be debited from my XXXX XXXX credit card. 
On XXXX/XXXX/XXXX I received a phone call from Harris & Harris Ltd., claiming I owed XXXX XXXX Hospitals {$500.00}. I instructed Harris & Harris Ltd. to contact XXXX XXXX Hospitals, explaining I already had a signed contract in place with XXXX. During this call I also requested that Harris & Harris Ltd. cease calling or contacting me regarding this matter. 
On XXXX/XXXX/XXXX I again called XXXX XXXX Hospitals Billing Customer Service to confirm that they received my payment plan contract. During this XXXX XXXX call I made an early payment of {$83.00} using my XXXX XXXX credit card. 
Harris & Harris Ltd. repeatedly called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Each time they called they demanded I pay them {$500.00} and stated they were collecting on behalf of XXXX XXXX Hospital. During all calls with Harris & Harris Ltd. I requested they cease all communications with me. 
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called XXXX XXXX Billing Customer Service and spoke to XXXX XXXX. Each time she assured me XXXX XXXX Hospitals submitted documentation to Harris & Harris Ltd. stating my account was NOT in collections. 
During my XXXX XXXX EST call on XXXX/XXXX/XXXX the representative from Harris & Harris Ltd. was very aggressive with me and told me I will go to jail if I do not pay them the balance of {$500.00} I again explained that I am under a payment plan contract with XXXX XXXX Hospitals and refuse to pay Harris & Harris Ltd. I also again asked that Harris & Harris Ltd. cease contact with me. On XXXX/XXXX/XXXX at approximately XXXX XXXX. EST, a representative from Harris & Harris Ltd. called my in-laws and asked to speak with me. My in-laws stated that I do not live there and requested they not call them again. 
I am reporting Harris & Harris Ltd. for unlawful and aggressive collection tactics for an invalid collection account. I ask that they remove my family 's contact information and my information from their systems and cease communications with my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with SIMM Associates, Inc. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A company continues to call my parents home. They have called several times over a span of 6 months. In the beginning of the call frequency, they were leaving messages looking for someone with my last name. However, the first name was not a member of my family. 

Three weeks ago, the began to call my parents residence again. Now, leaving messages for me specifically. They are clear on all details in most of the details when leaving a message, but slur the name of the company ( Possibly " CSA ) ''. The contact number they leave is XXXX. When I look up the company name or the number online, I can not find any connection to a creditor company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Other mortgage) with Neighborhood Assistance Corporation of America ("NACA") (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I closed a NACA home loan in XXXX of 2015. Because the seller was not willing to make repairs to items a NACA certified home inspector required to be fixed, NACA impounded or held back XXXX dollars for these repairs after closing. These reapairs must be made by NACA certified contractors. 
After repeated requests to NACA for NACA certified contractors, they have ignored my requests after providing me with contacts that either do not do business with NACA anymore due to non payment or do not work in the specific trades needed to make the repairs. This has left my home unsafe for many months including exposed electrical and improper plumbing. I do not feel safe in my home and am fearful failures in my home based on the home inspector 's report will lead to additional issues that I can not be financially responsible for. Additionally, I am paying interest on these funds that have not been utilized for my benefit in the meantime. I alerted NACA last week or so that I would be reporting them to the CFPB if they ignored my request which they have.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not 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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Please see attached Method of Validation request regarding the public records ( state tax lien ) item as reported by Equifax, as well as additional documentation. It is my belief that this public record has been incorrectly assigned to my credit report and therefore, I am requesting further, more specific documentation from Equifax 's most recent investigation. 

Please note : Equifax stated the details pertaining to the public record item on my credit report were updated based on data retrieved from a third party vendor, XXXX. 
However, XXXX has been unable to validate this public record item upon my request, stating : No such documentation exists in our database. Additionally, as shown by the attached documentation, I have been unable to obtain any such lien documentation from the state of Georgia tax agencies. Due to this lack of documentation and validation, I must request further assistance from Equifax, as outlined in the accompanying letter. 

Thank you for your continued attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 discovered a collection account from XXXX XXXX in the amount of {$96.00} on my Equifax report and I know nothing about this. I filed a dispute regarding this medical collection account with Equifax in XX/XX/XXXX. Equifax responded in XX/XX/XXXX and said they had verified the account and advised me to contact XXXX XXXX XXXX. I called XXXX in XX/XX/XXXX and spoke with XXXX. XXXX said he could not discuss the account with me because I could not verify the information they have about me. I gave him all the information about me that he asked for. I suggested that maybe they have the wrong person and asked them to withdraw the account from my report. He said they only report accurate information. But could not discuss the account with me because I could not verify the info they have. I sent them a certified letter requesting they either send me a bill or withdraw the collection account from my report. They have not sent me anything and will not talk to me by phone. It would seem this is not my account. I sent Equifax a letter explaining that the collection agency will not respond to me. I provided Equifax proof of delivery and a copy of the letter I sent to XXXX. Equifax responded to me again by telling me they verified the account belongs to me and if I have additional questions I should contact XXXX. As I have previously stated, XXXX will not discuss this account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit card () with CITIBANK, N.A. (DE).
Issue: APR or interest rate

Complaint: I am questioning the way Citi calculate the revolving balance. I did not make a full payment in XX/XX/XXXX XXXX actually I made a payment a little less than the statement balance way before the due, but forgot to pay the rest part because there is no reminder from citi telling me i had a remaining balance ). So they charged an interest on me. Then in XX/XX/XXXX after the new statement came out I made full payment but Citi still charged interest on my account which i totally do n't understand. I called them. The customer service said once you have revolving balance, interest will be charged until the 2nd billing cycle even if I paid off the balance, which sounds quite ridiculous. I asked for waiving the interest charge which my other credit card company like XXXX and XXXX allows, but got refused by Citi. I do n't know how the balance was calculated and I was never told before this call. Just want users to be careful when using Citi 's card. Their rules are not clear to you until you got hurt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Waiting for each agent to respone to my complaint-Equifax, XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company response to consumer: Closed with explanation