milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact XXXX and Transunion, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of 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 non-monetary relief
Consumer complaint received 03-09-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: APR or interest rate

Complaint: I have a current credit rating of XXXX. Chase is charging 27.74 % interest on the unpaid balance on my credit card and they claim that they are unable to lower my rate. They admit that I have had the account since XXXX and that I have n't had a late payment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: Loan with SLS have had numerous complaints with them messing up our escrow account.. after last complaint they billed me for XXXXcents that I was " short '' in my escrow even though they hold two months cushion. I ask to have the escrow account removed from the loan so there would be nothing further to worry about .. they sent me a letter stating they were denying my request and that I had to keep the escrow for the life of the loan .. This loan is at XXXX LTV and a conventional loan .. I should have the right to cancel the escrow and I feel at this point they are just being completely retaliatory with me. these people are unbelievable and should not be able to treat people this way.

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 01-06-2016 about Debt collection (Medical) with Radius Global Solutions LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: this originally was a neck device that was purchased at a therapy office, That was supposed to be covered by the insurance company XXXX, I did not find out until a year later that I owed this, so I offered to return it, the company XXXX would not accept my offer, so right now I 'm still in the appeal process with the State attorney 's office. So this should have not been sent to collections until fully resolved. Now I got this central credit services calling and there very loud and abusive for something that is still in dispute and they keep sending letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Through my credit monitoring, I realized that my ex husband had added me on to XXXX of his credit card accounts as an authorized user, he did not ask my permission to do this. I phoned each credit card company, all three removed my name and advised that I should contact each credit bureau, they will investigate ( gomto each credit card company to verify ), then they will delete the accounts from my credit reports. I phoned all three bureaus, all three opened an investigation and only experian decided they were not going to delete the account. Both XXXX and XXXX, confirmed that I am no longer on this account and deleted it. 
My complaint is that experian has this XXXX card account listed on my credit report when I have nothing to do with it. Credit One HAS deleted me as an authorized user and I would like Experian to do the same.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I received an alert stating that there was a new hard inquiry from CBNA on my XXXX report. The alert said : A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them. This is inaccurate. I have not applied or done anything with CBNA. I reached out to CBNA,  which is Citbank and they have no record of this inquiry on this date. They pretty much gave me the run around. I called Best Buy, which I do have an account with them but that account is at a XXXX balance and I have not inquired for any new services. They also had no record for any transactions for XXXX XXXX, XXXX. I contacted XXXX and they were only able to give me the same information I gave them however, they were no help.

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 05-05-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I saw a doctor on   XXXX   XXXX   XXXX   Chapter  XXXX  Bankruptcy was filed   XXXX   XXXX   XXXX     and discharged   XXXX   XXXX   XXXX   The medical debt from  XXXX   XXXX ,   XXXX   was sold to a debt collector who made no efforts to contact me, but reported the debt as delinquent on my  XXXX  credit report as of   XXXX   XXXX    . I and my attorney have contacted this debt collector on multiple occasions since that time asking them to verify they have a legal right to collect this debt, to which we have received no response. I have also disputed this debt with  XXXX  on  XXXX  separate occasions, both times receiving the response that it has been verified.     In summary, this debt was  discharged  in my bankruptcy as of   XXXX   XXXX   XXXX     yet the collection agency continues to report it as delinquent on my credit report and has ignored all requests for verification of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has created a false account under my name with an address that I have never lived, They have been reporting inaccurate & incorrect information on my credit file. and has been adding ridiculous fees & interest of {$200.00} to XXXX every month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX from XXXX XXXX XXXX keeps calling me, my husband, my husband 's ex-wife and my place of employment to collect a debt from Old Navy that I went through credit consolidation for in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/XXXX I requested proper validation and verification or removal of this account. 

Please note : I am requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. 

Please provide the following : Detail of what the money you say I owe is for How the amount you claim owed was calculated Verify that the legal statute of limitations is still in effect Copy of your agreement with the original creditor Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) Provided a copy of any judgment you have received, if applicable Identify the original creditor Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.

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 04-11-2016 about Debt collection (Non-federal student loan) with National Collection Systems, Inc. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with Secure One Capital Corporation (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had the worst experience with the sales manager, XXXX XXXX from Secure One Capital Corp. I called him on XXXX to get a {$50000.00} loan on my rental. I told him I needed to get a fast loan because I needed to pay at least {$28000.00} worth of debt. He said he could close my loan in 10 days ( it even says it on his email. ) The timing was critical. He said he could close it before XXXX. He talked me into getting an FHA loan and refinancing my current home ( which was 3 times that amount ). I agreed. On XXXX, he said we were almost clear to close. The next day, XXXX he told me I could n't do an FHA loan, and we had to go conventional, and I could only get {$21000.00} cash out. I was not happy, but he said he could close it right away. I needed the cash fast, so I agreed. I signed loan docs on XXXX. After my 3 day rescission was over, I contacted him asking if we were funding and closing. That date should of been XXXX. He started asking me questions on my rental property and other questions he could of asked weeks prior. He also asked me about inquiries on my credit report which he pulled on XXXX. After making me jump through hoops to get the loan closed, he informs me I could only get {$6900.00} in cash. That was on XXXX. Almost a whole month had gone by, he was asking me questions I should of been asked in the beginning. Needless to say, he does not know his job very well, and should n't be doing home loans. I ca n't express the stress he put me under and how he never called me, just emailed me. Had me sign. Lead me to believe my loan was closing. I could n't go through with the loan because it was n't enough money. I had to go to a hard money lender and get a fast bridge loan, and pay high points because oh him. He did n't even offer to pay me back for my appraisal of {$550.00} for screwing up so bad. It was his lack of knowledge that put me in such a bad situation. It became a hardship. His company should be paying me back my appraisal of {$550.00}, plus the points I had to pay on a hard money loan. He also never told me that I would have to pay 3 % in points for {$7000.00} until I received my settlement statement on XXXX. It was too late for me to back out because timing was critical.

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 05-06-2016 about Consumer Loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX my wife and I received a home equality loan from HFC\Beneficial Finance for {$20000.00}. We signed did sign the contract to be paid at an 8 %. The agent took it to the back to make a copy to which he fold and put it in an envelope. Thinking this is a reputable company we did n't think to open the contract and look again. We made the payments every month up until XX/XX/XXXX when I inquired to the new company XXXX to why I am still getting a bill. That when I found out that the agent had changed the contract by putting a XXXX in front of the XXXX making it 18 %. I would 've never signed an 18 % contract. This was not typed it is in pen. We had already paid over {$26000.00} and they 're claiming we still owe over {$16000.00} making the pay back over {$43000.00}. Since then I have moved and ca n't find my copy of the document. But I feel I have fulfilled my commitment to this loan and more, and I do not owe anything else. I 'm a XXXX and this is hindering my security clearance investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Using a debit or ATM card

Complaint: Bank of America shows on my recent statements from the last couple of months that there has been atm withdraws on my checking account. Informed the bank several times about this issue and asked for my atm pin number to change. Tryed and get this resolved with the compnay but it has been denied every time. The transactions was also done while I was at work and sometimes several times a week. Filed a police report but the officer was n't able to get the footage form the bank. The bank looked into the cameras and found no evidence on the time frame on what my bank account shows. I informed the bank that I have never been to an atm to withdraw over XXXX at a time when I have bills to pay of my own. I have lost over XXXX with in the last few months. XXXX dispute was XXXX dollars and the other disute was almost XXXX dollars. Still nothing is going on and they informed me that the atm pin was used without an inguire made. I asked to switch atm and atm pins number of times and was also informed that I never called in at the time that I saw this going on. Hoping I will receive all of my money that I have lost in the last few months and I have already switched to different bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (I do not know) with Selip & Stylianou, LLP (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX caused me embarrassment and harassment by contacting my employer to " command '' information on my employment and income with the intention of collecting a debt for XXXX XXXX for a person with my same first and last name, residing at XXXX XXXX XXXX XXXX XXXX, NY XXXX, w/SSN ending in XXXX. 

I notified them XXXX/XXXX/16 that I have never lived there, my middle name is XXXX, and that 's not my SSN. 

According to the FDCPA, I requested the mandated correspondence within 2 weeks confirming all collection activity towards myself and my employer had ceased. I never rec 'd and called asking for confirmation again with no reply. 

Therefore I would like to file a formal complaint against XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX for violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (TN).
Issue: Other

Complaint: On this day at approximately XXXX I received a call on my personal cell from XXXX I did answer it. And it was a rep from First Bank Card. Before she began to ask me any questions I asked her why is she calling me at XXXX, she stated she did n't realize what time it was. I stated " you call me every day, so why are you call me at XXXX in the morning '' " Do you know this is a violation of the CFPB '' and she stated yes and then went quiet on the phone, and I told her I would be in contact soon. Once I hung up, I picked up my other phone to see if they had called that phone, and she sure did at XXXX and she left a voice mail as well. I will attach the vm and the phone log. The bill was paid the day before and has always been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am a XXXX year old woman and in XXXX XXXX 2016 I notified XXXX that I wanted to cancel my XXXX XXXX and internet because I could no loner afford it. I was through with the two year contract. I had paid my XX/XX/XXXX bill and I knew that cable companies always billed one ahead. When I contacted them by phone I was transferred three times and finally a young lady kept trying to see if the bill could be lowered and I kept saying I want to cancel.I know they receive a commission when they stop people from canceling.The young lady did not inform me and where I should send the equipment and I looked up on the internet and found that I could take it to XXXX and they would send the equipment back to XXXX. A friend of mine took the equipment to XXXX for me and I do have the receipts. I have received letters from XXXX that they may disconnect my service. The bill at that time stated I owed $XXXX, now they state I owe $XXXX. I have asked for an itemized statement and informed them I contacted them at the XXXX XXXX XXXX 2016 and canceledmy services.They have now turned the account over to two different collection agencies.I do not have that type of money and wish I remembered the young lady I talked with to cancel my account. I know other people have had the same difficulty with XXXX.Thank you for any assistance or resolution to this problem. I also know if I had the money to pay this amount that XXXX does not remove it off the your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The employer address on my credit report is wrong. My employer, XXXX, is not located on XXXX in XXXX. The correct address for XXXX is XXXX, CA XXXX. 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 non-monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had  XXXX  credit cards with   XXXX   XXXX    (  XXXX   was formerly  XXXX  ) and I had difficulty paying them i n  XX/XX/XXXX - XX/XX/XXXX  and   stopped paying them. Las t    XX/XX/XXXX , I c alled  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid   XXXX   XXXX   and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.     XXXX   XXXX   XXXX   XXXX  - XXXX  accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX  They  did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.

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