milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX  babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You.
PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Medical debt) with Radius Global Solutions LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. XX/XX/17. XXXX. And this belongs to my wife not 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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bayview Solutions LLC ().
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX a company by the name of " Bayview Solution LLC '' pulled my credit report without my  authorization. I have a hard inquiry on my report and they illegally obtained my credit file by stating that the purpose of their inquiry was " installment loan inquiry ''. I contacted the credit bureaus and Bayview Solutions LLC directly to place a complaint and ask them to remove this fraudulent inquiry from my report. They did not help and Bayview Solutions LLC customer service agent cursed at me and hung up the phone on me. They will not say why I have a hard inquiry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 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: Investigation took more than 30 days

Complaint: My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons  investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In  general. Subject to subsection XXXX f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was making a purchase at the American Eagle store # XXXX on Monday, XX/XX/XXXX at XXXX XXXX & was asked if I had a Rewards Card. I thought I did, he looked it up but could n't find one so asked if I wanted to start a new rewards card. I said, not a credit card but rewards card, correct? He said yes. We started going through the process & I was prompted to provide my SSN, I again asked if this would be a credit card. He said no, & that he was prompted to provide this same information when he signed up for his rewards card. So I finished the transaction of {$79.00}, paid with my own credit card & left. Three days later ( XX/XX/XXXX ) I received an alert on my credit bureau that I opened an American Eagle credit card & my credit score dropped 21 points! I went & found the information he gave me on the Rewards card & it shows a credit card number & credit limit. I immediately called the credit card company, explained the situation & was told that the store reps are told to market their credit card as a Rewards card because you get more rewards if you have a credit card. I think this is very deceptive. I told them to close the account as I never intended to open it & asked them to update my credit bureau as such. He said he would close the account but did n't know if my credit bureau would be updated. I think they need to take responsibility & update my credit bureau to indicate that the store opened this account in error. I should n't take the 21 point hit on this. I asked for a number to call to file a complaint & I called that number on XX/XX/XXXX. The complaint I was able to file was only about how the store rep marketed the product to me & he said they would get the information to a district manager. But I want something done about the credit bureau reporting. This seems unfair, deceptive & I have to wonder if it is incentive driven.

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 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I monitor my credit report weekly and I have discovered that this is the *XXXX* time that Debt Recovery Solutions , LLC has placed this {$80.00} debt on my credit report. Thus, the debt mysteriously appeared on my credit report without given a 30 day notice to dispute the debt. Thus, this is the XXXX time that this debt collector violated my consumer rights under the FCRA. 

In addition, I have already disputed this debt back in XX/XX/XXXX and Debt Recovery Solutions , LLC removed the debt from my credit report because they could not validate it. Yet ... here they are again ... trying to damage my credit without validation 10 months later. 

Hence, I need proof that I owe this debt. Please show me a copy of the " written agreement '' that created my original requirement to pay? 

Furthermore, I would like to add that I have already contacted XXXX ( the original debtor ) on XX/XX/XXXX at XXXX and they could find no such debt. I spent about XXXX minutes on the phone with XXXX exploring this supposed debt. XXXX indicates that I own them nothing and that all accounts were paid in full with them. 

In addition, just to make sure that I did not owe this debt, I took the risk of giving XXXX my full social security number ( which should never be done ) so that they could do a thorough search to assure that I did not owe them a debt. Thus, XXXX indicated that they did not even know what Debt Recovery Solutions was talking about. 

I have had quite enough of this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit card from XXXX XXXX ( credit provided by XXXX XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by Portfolio Collections claiming I owe XXXX for this same account in the amount of {$420.00}. I provided proof 3x ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that XXXX is saying it 's valid. But when I contacted XXXX they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm just not sure Seterus really understands my position in their claiming to be the new servicer of my loan. 1 ) I have not received notification or any communication from the owner of the loan which to me provided the proper 'authorization ' to then begin working with me ... 2 ) Because of # 1, Seterus continues to do nothing but harass me because of 3 ) I have notified Seterus that the information they have is incorrect and if they look closely, they can get a sense of what I am stating is true. a ) I have stated XXXX had my insurance information and it 's all documented with the CFPB, would one really lie about 'documentation ' when obviously that whole point in stating that is because it can be pulled up ...??? b ) I have mentioned the balance otherwise being incorrect partly because XXXX was not applying payments properly. Obviously Seterus has my payment history and clearly they can see payments were being made twice a month but only posted later in the month and common sense tells you I was paying like that for a reason and that reason which is very common in mortgages is to pay the loan down more quickly, not to give the bank money ahead of time for them to use as they wish ... c ) the balance also was not correct due to some fees that were charged and Seterus can see those fees in those records as well. 

It 's not up to me to have Seterus be judge and jury ( they asked for all this documentation ), it is for XXXX and XXXX to work this out but XXXX XXXX XXXX has refused to look at the history of my correspondence even though I 've told them numerous times exactly when the insurance information was provided ... I 've tried to contact Fannie Mae and no response from them. Based on this, Seterus needs to tell someone that these issues need to be worked out before resuming with this account. At this point it 's a bad account and for no other reason than that Seterus does not have the correct information, Seterus seemingly refuses to accept the information is wrong but at least in my opinion Seterus is digging a pretty deep hole by continuing to harass me and threatening foreclosure ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX XXXX. School of XXXX and graduated in XXXX. The legal industry has not recovered from the recession. I am employed full-time XXXX in New York XXXX. I make {$65000.00} pre-tax, annually. I make {$3400.00} a month, post-tax. 

I borrowed from the New Jersey Higher Education Student Assistance Authority. When I researched and signed this loan ( really, XXXX separate loans ), I was under the impression the company was affiliated with the State of New Jersey, and as such, would have a loose enough affiliation with the Federal government such that it would be subject to Federal repayment guidelines. Total amount borrowed : {$180000.00}. 

The total monthly repayment amount of my NJ HESAA loans is {$1500.00}. On top of that loan, I also borrowed roughly {$80000.00} in Federal loans. My Federal loans have been in deferment/forbearance ( for XXXX and most of XXXX ) and until recently, IBR ( for most of XXXX, XXXX and barely XXXX ). I have been advised that my IBR Federal loans have expired, and was asked to re-apply. I did, and was recently informed by Nelnet ( the Federal loan processing company ) that I did not qualify for IBR. As such, Nelnet expects me to pay {$800.00} at the end of the month. 

HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING. 

I am youngish ( XXXX ) and fear that I will never be able to crawl out from under this rock of debt. 

I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion has continued to report an inaccurate and unverified tax lien and bankruptcy without verification to support it. I have sent in notarized dispute letter after dispute letter with response from TransUnion response ; Tax Lien ( XXXX County Clerk - XXXX ) ( The County Recorder of Courts ) and Bankruptcy ( Texas Fedreal Court-XXXX ) ( The Bankruptcy Courts ) has been verified, which is not true because The County Recorder of Courts and The Bankruptcy Courts does not verify credit information. TransUnion will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Courts and The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Capital One Auto Finance calls me multiple times a day even though I pay my bill on the same date every month which is the XXXX of every month. They call me from different phone numbers stating that my bill is due and/or late which is inaccurate because I have auto-pay set up with my bank and it comes out of my check automatically the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Freedom Mortgage. I started making bi-weekly payments for a year and almost every payment is misapplied charging me double finance charge on almost every single payment. I have spoken to them on numerous occasions and almost takes an act of Congress to get them to apply the payments properly, sometimes having to follow up 2 or 3 times until the payments are properly applied. If this is happening to me, I know its also happening to anyone else who is making bi-weekly payments. I even asked for an audit of my loan and all to no avail. They even refused to allow me to speak to anyone in the payment processing department. I have spoken to customer service manager and still get nowhere and they cant even offer me any solution to their inability to properly apply payments. Freedom Mortgage is stealing finance charges from unsuspecting customers and this must stop. They are violating the law and refuse to do anything about it. All their loans should be audited by Federal Auditors to verify compliance. Thank You for your assistance

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 10-08-2016 about Credit card () with JPMORGAN CHASE & CO. (PR).
Issue: Billing disputes

Complaint: I LOST ALL MY BENEFITS AS WELL AS THE UNEMPLOYMENT INSURANCE BENEFITS. 
I CA N'T PAY THE ACCOUNTS OF CHASE CARD AND I COULD NOT PAY WITH MY UNEMPLOYMENT INSRANCE BENITS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XXXX American Express broke ties with XXXX so all of the green XXXX cards were cancelled and transferred to other accounts. When that happened we had to use our reward points which totally about XXXX. We chose XXXX XXXX gift cards so we could get carpet for our rental property. Upon finally deciding to use the cards it was discovered that they were totally blank. ( {$250.00} worth ). I was told that a nationwide issue was occurring with all XXXX XXXX gift cards and we would be sent replacements. This took several months meaning we had to pay cash for the carpet. The new gift cards finally arrived and upon going to use them, they were again blank. American Express membership rewards informed me that they had mailed the cards and then promptly deactivated them. I told them I no longer even needed the cards and they promised me a check for {$200.00} instead of the {$250.00} that the cards were worth. Weeks went by. When I finally called again, they told me they had closed the case because a check was sent. I have never received a check and now many months have gone by with still no check. I have made dozens of phone calls and have been promised, promised, promised but still no resolution. I have escalated this twice and have talked to supervisors. The last they told me was because the card has been closed over a year they ca n't do anything. I believe this whole thing has been a runaround to not honor my reward points. I 'm irritated and frustrated. I 've spent hours on this. I want my check.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with Fedloan Help (SD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was working with a non profit organization company called "  Fedloanhelp '' t hrough www.fedloanhelp.org. This was done to help refinance my student loan payments to help reduce my monthly payments. Each month I was being reassured that my loan was being worked on and nothing was ever done. I was making payments off {$98.00} every month for 12 months for a total of  XXXX . Recently they said i would receive an entire refund on all of my payments due to them not being able to help me. I have reached out and for the past 3 months and requested a response and only received automated responses that they would refund me once they received more funding. Now their phone number is disconnected and their website is no longer on the internet.  <P/> The company was taking the payments automatically through my account number.

Company response to consumer: Untimely response
Consumer complaint received 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I requested a " free '' credit report from a website recommended by my attorney for legal proceedings. I was never warned as I proceeded through the site to obtain my free report that this action would result in an unwanted " membership '' with Experian. Experian has been charging me {$19.00} a month for " credit monitoring '' to the credit card that I used to " verify '' my identity when I ordered the original " free '' report. Experian has agreed to cancel the membership but refuse to reverse the previous charges. 

It is evident that the free credit report website redirected me to Experian and somewhere in the background I unknowingly agreed to the membership. Most likely, this membership agreement was buried in the " terms of use ''. I am so angry because this is a company that is suppose to " protect consumers '' but are actually " stealing people 's money ''. Please do something about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief