milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX used a bait and switch tactic to trick me into paperless billing in order to save costs on paper and postage. There should not be a popup that asks the question in deceptive way. I never remember opting out of paper billing. THe end result is that I did not pay my minimum for two months. When I found out through a telephone call, I immediatley paid the amount due and the late fees assessed. I asked that my credit report be corrected as I have never missed a payment or defaulted on an amount owed in my XXXX  years. I also explained that I needed paper billing due to a memory condition that I could validate with a letter from my XXXX. They still refused to remove the late payment, which is destroying my credit rating and has caused me to pay a higher rate on a recent mortgage that I applied for. The paperless billing pop ups are deceptive and misleading and are worded in a pay that infers the saving of natural resources. They do not pose the question obviously as a yes or no.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX/XXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient has been the hardest loan company to work with ; I originally had XXXX XXXX until Navient bought them out. I admit I have n't been promptly with the loan company as far as moving forward with payments, but every time I tried to work some sort of payment plan their representatives basically laughed in my face. Throughout my time in school I made monthly interest payments beginning at {$25.00} and ending at {$75.00}. Those payments did n't seem to make any difference on my loan. The interest is ridiculously high and they are n't willing to reduce my interest. Navient constantly harasses me by calling from XXXX all the way until XXXX at night from all sorts of different numbers ranging from New York to Washington. My most recent encounter with Navient was XX/XX/XXXX where my Account Specialist gave me a 1 % interest reduction ; my highest interest is 11.6 %. He offered or more or less told me my repayment program would be a 9 month period where I pay {$370.00} and then the XXXX-XXXX month I would pay my original monthly payment of {$1500.00}. When I asked if there was another option he told me that 1 % was as low as he could go. I really had no other option at that point. He also mentioned that I had to be in forbearance to qualify got repayment options ; which made no sense to me. After I agreed to the terms of this ridiculous repayment program we then proceeded to go through my monthly finances ; after the fact we already started this new repayment program. My Account Specialist stated that I was cutting it close every month and that I should pick up more hours, I already work XXXX-XXXX hours and sometimes even more than that & I 'm only a XXXX. I asked how much my payout amount would be and he said it was {$110000.00} ; my original principal amount was {$77000.00}, my loan accumulated {$32000.00} in interest, that 's almost half of my original loan. It 's clear Navient is not willing to work something out that is more reasonable let alone reduce the high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with PNC Bank N.A. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I lost my debit card last month earlier in the month beginning of this month to this retaliatory XXXX XXXX denial of loans fake Prejudice as PNC Bank and they 're trying to charge me {$110.00} for items I do n't have never received, s supplicating me with any name matching doc, trabsactions slips wherefore where that information transactions or matching the credit card in my name has it appears on my bankthe debt card this has n't been implemented or done for me.this been going on since XXXX XXXX XXXX with soliciting me for money and I never got any of my funds as far back as a year ago I do n't owe XXXX XXXX XXXX any money I have Department of Human Rights complaints pending against PNC Bank for hateful discriminatory crimes and actions they have taken against me at one of their facilities on XXXX and XXXX I was a cruel situation and all they did was made sure that the guy that was involved the branch manager they make sure his XXXX XXXX disappeared right away soon as when I filed the charge vs the bank nonstop harassing calls instead of answering too cfpb, is the Retaliatory norm '' it 's like XXXX XXXX allowing me to open a name up n fraud as a idtheftvicyim, and then sold me at XXXX XXXX a while with two defective heavy battery 's that do n't work..plus upon arriving at XXXX  yesterday the code was not verified to my cell phone as it should had been thnks to a freeze '' on my credit this comp breached and bypassed, a requirement by law, n receipts say pdunn, n thee, computer at XXXX XXXX XXXX XXXX XXXX just dished out a number card, accnt, without security, similar to PNC Bank dish out funds no security then say like " oh u owe overdraft '' no.sorry PNC Bank debt collectors no license I owe u zilch

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Green Tree XX/XX/XXXX, which recently merged/rebranded with ditech. On XX/XX/XXXX I received a phone call from a gentleman at ditech informing me that I owe {$27.00}. I asked how and why as I have made the same payment for months now. He indicated that the escrow account had been recalculated and increased. I asked him to send a copy of the escrow statement, as I do n't have any notification of a recalculation, and once received I would pay it. I have one letter indicating that the mortgage rate would increase and that there was a new amount, which I have been paying on time each month since. After that letter was received, it seems the escrow account was recalculated, but I never received any notification of such or what the new payment should be, thus a {$27.00} differential. When we initially set up our account online with Green Tree, I elected to be a paperless account. They then proceeded to send mail to my address, which was returned by the Post Office. This triggered them to deactivate our online account, meaning they will not upload monthly statements or any documents to our online account any longer. I called back to the Customer Support line on XX/XX/XXXX to request all past statements from XX/XX/XXXX to current. I was told they can not send copies of monthly statements because they do n't have them. They went on to say if they were mailed and the mail was returned there is nothing to post to the online account, thus they have nothing on file. Of course, I elected to be a paperless account so nothing should be mailed to me. XX/XX/XXXX, I was informed that monthly statements are a courtesy only and that they are not required to produce them. It is interesting that I receive weekly refinance solicitations from ditech, however no monthly statements can be produced and posted to our online account. I have to wonder if once you elect to be a paperless account, they purposefully mail you advertisements and if they are returned they cease communications of all monthly statements/escrow reports which can put a homeowner in jeopardy financially. This lacks a great deal of transparency. 
*Mailing address was changed XX/XX/XXXX and should not be the same as property address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Pprtfolio recovery calls several times a day and late at times. I have asked them to stop calli ng ne and to  instead swnd me documentation proving that this is indeed my account. I have asked them to send some detailed statements as this is not my debt and they refuse and instead resort to calling over and over to intimidate. I have had to block their calls and still have n't receiv ed ANY detailed bills or proof this debt is mine. I would need more than 1 bill to get an idea as to who ' s debt this is as it could be ifenity theft. This company is abusive with their calls and behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting erroneous information in my credit file regarding a Bankruptcy from 2011. I have tried without much success to have Equifax remove the bankruptcy that is associated with my name and credit file. The latest result was a " confirmation '' that the information was indeed mine after the company " verified '' their information through XXXX. After speaking with an Equifax representative, it has come to my attention that the reporting agency makes use of third party reporting agencies. How Equifax came to their conclusion is dishonest and this makes what they are reporting invalid. I know for a fact that the court systems to not verify public records with the credit bureaus or third party reporting agencies. Equifax is using their insistence on their information being correct to ruin me and my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted the credit bureau about the  two  debts that are showing up on my credit report that I have no knowledge of the accounts numerous times. The   XXXX   XXXX   XXXX   and  XXXX   XXXX  account keeps showing up on my credit report after disputing them with the somone over the phone and via the internet. Each time they come back and say the debt is vaild and verified without showing proper proof. When I call and speak to a rep the reps tell me to contact the creditors and have them to remove the debt. I was always under the impression that we are not to contact the original creditor because it violates the FCRA for them to tell me to contact the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, approximately 1 year before the maturity of my home equity loan, I received a notice that XXXX XXXX XXXX had " miscalculated '' my interest that I was paying on my loan for the past 15 years. They said they wanted me to pay a lump sum of {$4200.00} by XX/XX/XXXX, rather than the regular payment of {$430.00}. When speaking with them on the phone ( XX/XX/XXXX ), they admitted it was their mistake and not mine, but they still expected me to pay. This was originally a XXXX loan that was bought out by Ocwen some years ago. There is no way this can be legal! How can I be held liable for THEIR mistake??!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is not my debt.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Point Boosters (SC).
Issue: Fraud or scam

Complaint: I paid {$120.00} prior to services being removed from credit, never received my detailed report. Everything on my credit was disputed even open credit cards that I have on file and this will negatively impact my credit. XX/XX/17 services was paid for and I never received my audited report. They charged a set up fee which is a violation of the CROA.

They also lied to credit bureau about items on credit and did not inform me of this. an inquiry that I authorized is showing not authorized even from accounts that I currently have cards with. I am requesting a full refund of {$120.00} due to violations of this act. " One of the more important areas covered by CROA is how credit repair organizations can get paid. It is the general consensus that a credit repair company can only be paid after services have been rendered. This can be done using a monthly fee model where companies charge clients on a monthly basis after services are rendered or on the more modern pay after deletion model where clients only pay after items are deleted from the credit report. Companies that charge excess " setup '' fees or all of their fees upfront violate the provisions of CROA. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have a XXXX XXXX credit card, that I have never been late on, ever and recently just paid off. I was notified that my credit limit was decreased. When I called to find out why, they told me because of serious judgement, which was my bankruptcy but they knew this when they approved 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 02/27/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Billing disputes

Complaint: I got a credit card through XXXX in XXXX, North Carolina and Bank of America manages this card. I never received the card or any statements. I called and asked them to cancel the card when I found out there was an open account when I was applying for a mortgage. Even after what I thought was a closed account, I received a forwarded statement from a previous address. I was told by the Bank of America representative that if I paid the {$8.00} balance, then I would get {$5.00} back of that and they would remove all late payments shown on the account and I had her to update the correct mailing address. 30 days later, I receive a statement owing {$1.00} and had to call back again. I was told by the Bank of America representative that would be removed. A few weeks later, I received a late notice on the {$1.00} and had to call again. The representative said it would be removed and would call me back on XX/XX/2017 to tell me everything was cleared up. Today is Monday XX/XX/2017 and no return phone call has been made. My concern is what impact this small charge and seemly lack of communication has done to my credit. To date the lates have not been removed, the {$5.00} was never refunded ( which is not a concern ) and not sure what happened with the {$1.00}. My biggest concern how can a company be so large and have that much impact on my credit with no regards to their customer service. I would appreciate any help with this matter as I value my credit and it does not seem fair the follow through on Bank of America 's part to do what is the right thing when I had no communication from them until now.

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 monetary relief
Consumer complaint received 11/27/2017 about Debt collection (I do not know) with Jon Barry and Associates, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from  identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After finding out a XXXX XXXX security breach and learning that I was affect by the breach I received an alert, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that three account had been placed on my TransUnion report. After checking the alert I notice that I did not own these accounts. I have no idea what and who these account are. There is no contact information for these two accounts. The XXXX XXXX XXXX. are already on my account ; why are they reappearing? Recently I disputed the SOL status on this account in question. A print out is provided in the drop box. I did call TransUnion, talked to a rep which stated that he did not see the accounts on my credit report. If this is not true, I am trying to prevent them from hitting my report.

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 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX There are no data Furnishers to contact on these matters. Please comply with my request in my original complaint regarding inaccurate reporting of personal information on my Credit Report with your company. this per my request. This is my second request for you to correct the information on my Credit Report. I do n't know why I must spend so many countless hours on this. It is causing me a lot of stress. 

You should only be reporting personal information contained in this complaint and the attachment, any other names or social security numbers, or addresses are completely inaccurate and do not belong to me under penalty of perjury. Please remove this information right away and only report the information that is contained in this complaint and it 's attachments. I have included all necessary information so that you know that it is really me writing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Attached please find Wells Fargo 's mortgage interest statement for 2016, With different account number XXXX, this is a complete different number. Because, the account number I had for the past eight years was XXXX. 

Does this paid interest is from XXXX to XXXX 2016? Since, in XXXX Wells Fargo sold/transfer my loan to XXXX, and I made the last XXXX of 2016, payments to XXXX. 

Why does in Real Estate Taxes their stamen show {$0.00}. They collected tax escrows, also from XXXX to XXXX? Who is paying my property taxes? 

Why they charged deferred interest, I though, I have a fix interest rate?

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