milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Security Credit Services, LLC (CO).
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: Checked my credit in XX/XX/XXXX and noticed an item in collections on my report that has n't been there. It is for {$500.00} and from company called Security Credit Services. I called them and asked what it was and they said from a company called " XXXX XXXX '', I told them I did not know who XXXX is and needed something mailed to me with my signature on it showing it was mine. They replied that they could only send me a letter but it WOULD NOT have my signature on it. I told them no, I needed something proving I owe this amount because I am working really hard to get my credit right, they told me they did not have anything. I called XXXX and XXXX in XX/XX/XXXX, XXXX and XXXX of XX/XX/XXXX and asked them both to send me whatever this company sent them to get it on my report. The first time I called the lady told me they could n't send me anything and the second time I called the man said he would send it and I have n't received anything. When I looked on my report it said " dispute closed '', so I called XXXX and XXXX again in XX/XX/XXXXand they just said it has been closed with no explanation. I called Security Credit Services on XX/XX/XXXX( today ) and they again told me they did n't have anything with my signature on it and they got the information from " XXXX XXXX '' ( man was rude ), so I asked him to mail me what XXXX gave them and he again said he did n't have anything and he said " your not going to get it, I do n't have that ''. The number on my credit report for Security Credit Services is XXXX and they told me it was n't even them, then they told me XXXX XXXX put it on my report but it says Security Credit Services. No one can provide me with anything with my signature on it. I do n't know how XXXX  or XXXX ( and I 'm sure its on my XXXX credit report too ) can just add things on my report without any proof. They need to send me something with my signature on an agreement that I owe this amount or they need to take it off my report. Those involved are : Security Credit Services XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the contact information I have

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dynamic Recovery Solutions continues to call both private cell numbers and business numbers to collect a debt that is illegitimate and is not owed. They have been told to stop, and yet they have stepped up the calls rather than stopping them. They are looking for someone that is not at any of these numbers, and bullying the people who answer for information. They are using illegal tactics to collect this debt. They are calling late at night, they are calling on weekends, they are calling early in the morning. Everything this company does as far as debt collection is ILLEGAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the past year or so, every time I have tried to pay extra on my one loan, it only advanced the due date of my payment with Naviant. I have even called to have the issue fixed but it was not fixed. Each time my due date was pushed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit card () with PNC Bank N.A. (MO).
Issue: Delinquent account

Complaint: PNC Bank and XXXX bank ( XXXX of which I have credit cards for ) are saying that I am responsible for XXXX dollars total value of charges and I know for sure I did not make them. No matter how hard I try to dispute and file for fraud, they are not doing anything. I need your help to get rid of these charges so that I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Modern Adjustment Bureau (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: HAD A ITEM ON MY CREDIT REPORT SO I CALLED THE COLLECTION AGENCY THAT REPORTED IT. IT WAS MODERN ADJUSTMENT BUREAU LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. I CALLED THEM SEVERAL WEEKS AGO AT XXXX AS I WANTED TO KNOW WHAT THIS WAS ALL ABOUT. I HAD THE DISPLEASURE TO TALK TO A RUDE AND ARROGANT WOMAN SAID HER NAME WAS XXXX, WOULD NOT GIVE HER LAST NAME. I WAS DISPUTING THIS BILL AS MY COMPANY OPENED UP THE CHECKING ACCOUNT AND MY NAME WAS ON IT, BUT APPARENTLY THE ACCOUNT BECAME OVER DRAWN, WHEN I ASKED FOR DOCUMENTATION ON THIS BANK ACCOUNT SHE WENT INTO A PUSHY AND THREATENING DEMEANOR, SHE WENT ON TO SAY " WHEN THIS GOES TO COURT THIS WILL COST THOUSANDS OF DOLLARS FOR YOU LATER ON '' " YOU SHOULD TAKE CARE OF IT NOW AND DISPUTE IT LATER '' SHE MADE IT SOUND LIKE A {$1300.00} BILL WOULD BE RAISED TO {$5000.00} WHICH IS DECEPTIVE COLLECTION TACTICS. I NEVER RECEIVED THE DOCUMENTS, BIG SUPRISE. ARE THEY NOT SUPPOSED TO GIVE ME A HEADS UP ON WHO I AM CALLING AND THAT THEY ARE TRYING TO COLLECT A DEBT ETC, SHE JUST WENT INTO HER GANGSTER ROUTINE TRYING TO SCARE ME INTO PAYING THE BILL DISMISSING ANYTHING I HAD TO SAY. 
I HANG UP ON HER CAUSE IT WAS LIKE TALKING TO A BRICK WALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Recent Equifax Security Breach. Equifax confirmed that my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: failure to credit my XXXX 2016 payment towards PITI.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission.

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase financial holds my mgt@6.75 for 10 yrs. Advises me to stop paying for 3 months. Then they might be able to help.? It is not a federally backed loan, also a problem. I have never been late. This house is my livelihood. Can you help at all. IV tried everyone else, your the last ones. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXXunter Warfield. My first debt validation letter was sent to Hunter Warfield on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another XXXX of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have 2 Citicards XXXX ( Business ) and XXXX ( Advantage ). In XXXX, Advantage sent a mandatory replacement card. I did not authorize this card. However, Citi began using the new account. When I receive my mailed statements, I access the XXXX version on line. I do this so that I can designate which expense is paid by my business, home or other user. In XXXX, I discovered 4 statements (??? ) on line but the XXXX versions were not available. A recent payment was not on any of the accounts. Citi had to do a forensic search to find the payment. Since then, I have been unable to reconcile the accounts and therefore, unable to pay my bill in full. After many, many hours ( probably 30+ ) of conversation with Citi Customer Service , I contacted the office of XXXX XXXX , CEO. XXXX XXXX has responded. I have sent all thXXXX XXXX spreadsheets that do not reconcile with the PDF ( printed ) statements. The issue is not yet resolved. However, last week XXXX XXXX was on vacation & suggested that I contact Customer Service. That 's when I decided to file a complaint. XXXX XXXX also suggested that if the account was not paid in full, Service & Interest charges could not be reversed (!! ). I can not pay the bill in full until I can reconcile the statements. Another suggestion : My credit would be affected (!! ) PS Your form only allows the id for one card. I have two cards in disarray.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in contact with TransUnion , LLC in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and Merchant Credit Guide by certified return receipt back XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that TransUnion , LLC did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from TransUnion , LLC to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with TransUnion , LLC, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!

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 09/18/2016 about Credit card () with U.S. BANCORP (VA).
Issue: Balance transfer fee

Complaint: Elan Financial ( for my Fidelity credit card ) offered a zero % for balance transfers. The offer was not honored because I did not have the convenience checks - I do not keep many paper statements - and this was not honored by the credit card company. the case number for my quick account closure is XXXX. I feel that my credit score will be damaged due to the fraudulent reasons given to open the accounts.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My husband and I cancelled our credit report freeze on Monday, XX/XX/XXXX with Equifax.

As of close of business last night, Thursday XX/XX/XXXX our credit reports remain locked and frozen. XXXX XXXX XXXX has been trying for 3 days to pull our scores and only get a locked message. 

When we call Equifax Credit Freeze Dept at XXXX we get sent to someone with a barely understandable accent who only repeats that our credit is unlocked, and there is no one else to talk to. 

When we ask for an email to prove they have unlocked our credit scores, so that XXXX XXXX XXXX can contact their Business Dept with proof they will not provide it. 

XXXX XXXX XXXX has been told by Equifax Business Dept that they can no nothing unless there is proof from US the consumer that EQUIFAX has unlocked our credit score! And Equifax will only MAIL in 7-10 days a statement saying it has been unlocked.

This is completely obnoxious, and offensive that they block and then refuse to assist without proof that THEY won't provide in a timely manner. 

We stand to lose out on purchasing a business property because of this delay and terrible lack of service. 

Doesn't ANYONE oversee Equifax? 

There is no PROOF of their complete lack of service since they refuse to give any without a 7-10 day mailing period.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When loans were presented by school I was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that I have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor Information Opened XX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Balance : $ {$81.00} Original Creditor Name:06 XXXX XXXX I have paid this balance of twice, once XXXX  and once to CCS on XXXX XXXX. CCS stated that they would mail me a receipt within 8 business days, I never got this letter confirming proof of payment. I called them back today XX/XX/XXXX to have them solve this issue and they have no record of payment. I told them " I want this off my credit, it's only {$81.00}, I will even pay again today if you can send me proof of payment via email today so that I can have a receipt which is fair ''. CCS denied to send me proof of payment if I made one today, and denied to accept my payment. How can I resolve this matter if company does NOT provide receipt for future records. Please help, this is only {$81.00} we are talking about, I will pay for a third time all I am asking for is a simple confirmation # or anything that can protect me as a consumer. I can not wait 8 days to get a receipt if I am paying today. hope this makes sense. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient called my mother in law 's phone number about my student loan debt when she is located in Hawaii and it was XXXX there and when I told the loan provider not to call again, she ( XXXX XXXX XXXX ) informed me that she had " called a lot of numbers that day looking for '' me. I told her she broke the Fair Debt Collection Practices Act as she had called a number in Hawaii and she told me that she had not as my loan is past due. She also informed me at the end of the call- which did not end well- that she will continue to call even though I told her not to call anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.

Company response to consumer: Closed with explanation