milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Experian nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Experian continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for 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 08-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have 7 Direct loans totaling XXXX that I have been paying on time, under an income based repayment plan. I have been working in public service full-time since XX/XX/XXXX and qualify for PSLF. I filled out the employment verification form and my loans were transferred to Fed Loan Servicing in XX/XX/XXXX. Based on the information that they sent me they are only counting 10 payments towards my PSLF, when I have actually made 5 years worth of payments that should qualify. In XX/XX/XXXX I spoke with  employee # XXXX and asked for a correction. He said my loans would have to be reviewed, which could take a couple of months, and that they would send me updated information. It has now been over 4 months and I have n't been contacted and never received proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Debt collection (Medical debt) with Harris & Harris, Ltd. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Medical balance with XXXX XXXX XXXX in the amount of {$1700.00} was transfered to Harris & Harris , Ltd . Upon a call from the company, I informed them that a payment would be made toward the debt. I paid {$1200.00} of the balance with my Healthcare Flexible spending account and requested for them to send me a receipt of this payment so that I can submit it to the Flexible Spending Administrator, because this is required process for the plan. If a receipt of payment is not made, the Flexible Spending Adminstraitor could block the account and require that I pay that money back due to lack of verification. I was initially informed that the receipt letter would be sent. However I never received it. Harris & Harris continued to call me and each time I requested the receipt. The final communication from them was that they would not provide a receipt until the full balance was paid. The issue is that for Flexibile Spending accounts, you have to submit your receipts by XX/XX/XXXX for the previous plan year, so all my receipts for XX/XX/2017 needed to be submitted by XX/XX/XXXX. By not providing this receipt, Harris & Harris , Ltd has jeopordized compliance of my Flexible Spending agreement and I may be forced to pay the {$1200.00} out of pocket and loose the tax benefit of having a Flexible Spending account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I recieved a statement from Naviant for the first time since my daughter has been in school. she is a XXXX. Until I recieved that statement I had no idea who was holding these loans. I thought XXXX XXXX held everything. So how could I have paid anything towards these loans if I did n't know about them? They should have been sending information more regularly!! Then I actually got a recorded message left on my home phone that the email information they have for us is not valid ... .it took them 3 years to figure that out and call? Then all of the sudden I read about a law suit for Naviant in XXXX of this year ... ..what a coinsidence right? I do n't think so. I think we are part of the group of people that have been affected by Naviant 's poor business. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I informed the agency to cease contact on XXXX XXXX, 2015. They have begun contacting every number they can cull from the Internet, which includes my work numbers. I am mailing another letter, along with this complaint number to ask them to cease contacting my employer again. They contact random numbers within my employer, please see attached email. I have informed them verbally to take the legal action that they need to take, they have continued to call. They yell, speak over me, and try to harass with a terse and harsh tone. They are acting like a dog which is all bark and no bite. I 've asked repeatedly for them to take their legal action and let the courts decide, but they just keep calling.

Company response to consumer: Closed
Consumer complaint received 05-12-2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Payoff process

Complaint: I am a new Macy 's card holder. I made XXXX purchase for {$92.00}. My husband made XXXX payment. The balance was {$58.00}. I am diligent about our credit, we are saving for a new home and want to keep me credit score strong, so I paid the balance online on XXXX XXXX (? ), early. 

I received a phone call from Macy 's yesterday, saying my account payment did not go through and now the payment is late, late charges, interest and returned check fees adding to over {$200.00}. 

I was devastated! They did refund the late fee and interest fee but would not remove the returned check fee because it was an error on my part. Clearly, I was trying to maintain my account by paying early. Why could n't they call me sooner? 

I paid the balance of {$58.00} and {$130.00} in returned fees over the phone and vow to never shop at Macy 's again! 

This is a disgrace! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed this now for the fifth and FINAL time. I have an attorney on retainer and ready to sue Experian for furnishing my credit information to someone in Oklahoma. I have signed and notarized avadavits from over 40 people stating that I have never lived in Oklahoma. I understand that Experian is racist.

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a Chase XXXX credit card in XXXX XXXX because I received an offer from XXXX. My application got declined with the reason " previous unsatisfactory relationship with this bank ''. Chase closed all my credit card accounts in XXXX and never give me a particular reason for that. I contacted the Chase again and the associate could not give me any specific reason for rejecting my application.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX 2017 I was threatened with contempt by XXXX XXXX XXXX XXXX 2017 I was served with a Garnishment and Demand for personal Information From XXXX XXXX XXXX to My employer XXXX XXXX XXXX  XXXX XXXX  Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied XXXX XXXX XXXX XXXX XXXX  Demands admission From My employer and threatens Litigation

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the  payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 03/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank Of America took my hard earned tax paying dollars as well as everyone else 's in the bailout and then did absolutely nothing to help me with my underwater property in FL which is what the money was designated for. I have been trying to speak with someone at Bank of America since 2008 to gain access to principal forgiveness or principal reduction and continuously am ignored. I filed a complaint with the District Attorneys office which lead only to a single letter from BofA indicating more time was needed and have never heard from BofA again. They think this is a joke. They lined the pockets of their XXXX 's and whomever else is in the upper positions whilst those of us, including myself continue to suffer with underwater properties if we have n't had to walk away already. I ca n't count how many times I asked for help whether it be principal reduction of forgiveness or asked to simply refi and was denied indicating the property value is upside down and this is denied - hello .... what the XXXX do you think the bail out money was meant to be used for?!!!! I was not able for a period of time to pay my second mortgage and instead of helping me they started the foreclosure process. I had to borrow money yet from someone else to become current on an upside down property - I have to ask myself why I continue to keep paying and not just walk away - this property cost XXXX and has had since 2008 a value between XXXX-XXXX. Oh by the way BofA never included the appraisal with the loan docs - how convenient. How do I know this loan was n't unfairly processed, that some form of unethical practice was used to have the appraisal match the loan amount to justify the approval? I have read public information available online which clearly indicates BofA is in hot water and I am not alone in my situation. What I want to know is why are these large companies bailed out when its us middle class folks who pay for this country and why are n't these CEO 's etc ... rotting in prison where they belong?

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 05-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report with both Equifax and XXXX that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. 

Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX & XX/XX/XXXX, XXXX XXXX/XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Medical) with Southern Credit Adjusters, Inc. (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I visited the emergency room at XXXX XXXX XXXX XXXX, incurring a bill w/them & the ER " doctor ''. Could 've sued for malpractice. Would have died if I 'd followed doctor 's advice & so walked out. REFUSED to pay the bill. XXXX has sent debt to numerous collectors, all who call, I send letter saying cease/desist, it gets sold to another collection agent. This has gotten OLD. Tonight 's call from Southern Credit Adjusters needs to be the last one. They need to take it off my credit ; it should be illegal for them to pursue me for this debt. Services were NOT rendered because I refused them - if I had accepted them, I '' d be dead.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I graduated from school, Navient did n't tell me how many loans I had and subsequently when I paid some, I did n't pay others. Now I have a 90 day late on my credit report thanks to navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I cant access my credit report, maybe my DOB incorrect or my name was misspell, thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent this letter to Capital One disputing the account listed below and another capital one account which was opened on my behalf but not by me. Capital One sent me a letter stating the account was fraud, it only included one account they both are fraud and should be removed from my credit file. I attached the letter from Capital One. XXXX XXXX XXXX, NJ, XXXX SSN : XXXX | DOB : XX/XX/1984 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 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 removed immediately. Name of Account : Capital One Account Number:XXXX Provide Physical Proof of Verification : Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Confirmation # XXXX XX/XX/XXXX, Confirmation # XXXX XX/XX/XXXX, and Confirmation # XXXX XX/XX/XXXX - I have been sent numerous disputes to Equifax with regard to 2 credit card accounts " settled for less than full balance '' on XXXX # XXXX & XXXX. Both accounts DOFD go back to XXXX. Both Accounts were settled. in XX/XX/XXXX. I have requested these items be deleted from my credit report as I am in the process of trying to refinance my home and the negative information is stopping me from this process. As you will see by the uploaded documents the same comment appears " The creditor has verified to OUR Company the date of last activity is correct. Under the Fair Credit Reporting negative items are supposed to be deleted from 7 years of DOFD, last activity date means nothing in reference to this item beyond the 7 years of reporting. Each time it has been disputed I have asked the representative to provide me with written documentation from the Creditor showing these items have been verified. As you will see on the all the confirmations, none of that has been provided to me. I have contacted the creditor ( XXXX ) and they have told me nothing has been reported to Equifax in years since there is a " XXXX '' balance. Why does a credit bureau have the right to report information beyond the 7 years reporting time when a creditor stopped reporting to them years ago. This is my final attempt to have Equifax delete this information before a suit is brought against them for damages in XXXX County. These items have dropped off XXXX and XXXX in XXXX. 
I take my credit information seriously and I am hoping you do too!

Company response to consumer: Closed with non-monetary relief