milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I left an apartment complex ( XXXX ) a month early in order to move to better and more affordable housing in 2012. I had a deposit still held by them. I told the office of my need to leave and established the date I would turn in my keys. They had my phone number, email, and forwarding address and agreed to contact me with any remaining balance owed. I received no communication from XXXX nor IQ Data International, who this was immediately sent to collections with ; I had no notice before it appeared on my credit report and no ability to pay before this derogatory item appeared on my credit report. Since then, the balance has seen a 50 % increase in " fees. '' I recently disputed this with an online form through the credit bureaus, however it was not understood and all IQ Data International did was send in an itemized list ( which I saw for the first time ) from XXXX and fees without itemization from IQ Data International. 

I am disputing and suffering from two deceptive practices. The first, is that I never was contacted in advance of any collections and negative reporting. Second, astronomical and unexplained fees have been levied by this company as a direct result of the first.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Getting called by XXXX after XXXX. A google search determines this is a well known debt collection company. 

I do not answer calls from numbers I do not know. They did not leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed complaint # XXXX. Nationstar Mortgage was a part of the complaint. The Company answered backed on the complaint stating they were unable to locate the account in question. The account number in question is XXXX should n't have been a problem to find the account that referred to me, especially since Nationstar transferred a check out of my name and refuse to return it to me. They had me to endorse it and had me under the impression that they would be sending it back to me to make repairs on my home. The check was never sent to me. I also have other documents showing an account was in effect with Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Convergent Resources, Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In  XXXX   XXXX  filed a collection on my Credit Report stating that I owed them with for an unpaid cell phone account. I did not open an account with  XXXX  in  XXXX . Subsequently, I filed a Dispute with the Credit Reporting Agencies which resulted in the Bureaus removing the Collection from my credit report. In  XXXX , a  XXXX   XXXX   XXXX   XXXX  filed another Collection to the Credit Reporting Bureaus under the Name of a different  XXXX   XXXX   XXXX  again stating that, I owe an unpaid .Cell Phone Account. Again, I filed a Dispute and the Debt was again removed. Since that time, e very 3-6 m onths or, so a  New   XXXX   XXXX   XXXX   XXXX  files a Collection against my Credit after it has been removed which is Harassment. I have repeatedly informed th e Bureaus that, the  Collections are false and, not to allow  XXXX  or any of it 's m any Collection agencies  to continue to place erroneous debt collections on my report as they .have been added and removed no less t han seven time s previously. I would ask  XXXX  to cease and desist in their Harassment of me by continually making erroneous fraudulent collection claims.

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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I HAVE NOT RECEIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX Complaint Trans Union I have ask Trans Union to delete accounts that some one otherthan my self used they did not my experience has been frustrated with them letter afterletter XXXX XXXX customer services run by foreigners. 
This is been going on for some time next step hire attorney I fell my rights have been violatedunder FTC laws keep sending the same credit report XXXX times not one account taken offfrustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$96.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged 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 11-12-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthousesXXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. XXXX still reports XXXX. Equifax still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MO).
Issue: APR or interest rate

Complaint: A couple of weeks ago we rec 'd a letter with our banks name/logo to apply for a credit card witih a 5.99 % APR on balance transfers for life. We applied on-line. We rec 'd the new credit cards in the mail. Thinking this is great as we would save over $ 80 monthly in interest by using this balance transfer and lowering the interest. We activated the cards on-line. As I was completing the customer profile I was looking for our monthly payment information since I had thought the balance transfers had been done. But it showed a Zero balance and a {$1000.00} credit limit at 16 %. This is NOT the card we applied for. We feel like we have been defrauded, victims of a Bait and Switch. We do not want, or need, another credit card unless able to utilized one with a much lower interest rate. Only after activation did we learn this is NOT what we need. I took the letter and cards to our bank and learned that it was NOT our bank. It is some affiliate with a similar name. If we can not take advantage of the offered low interest rate on balance transfers we do NOT want the card at all. I looked up the bank and called them. I learned that this card does have the 5.99 % onl balance transfers. I expllained that our application listed the details of the accounts and balances that we had applied to transfer, that a {$1000.00} limit was not sufficient to take advantage of the transfer, asked if the credit limit could be increased. We were refused. We immediately canceled the cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have a VA mortgage with CitiMortgage. Three years ago we, like many Americans, fell behind on payments and were in danger of foreclosure. We were able to work out a repayment plan to catch up. Citi configured a 35 month repayment plan that was supposed to catch us up if we made an elevated payment for the 35 month period of the program. We owed approximately {$3500.00} when the plan was implemented. We made every payment for the defined amount before the deadline each month during the program. In XXXX of 2015 we made our final payment and called 10 days later to verify the completion of the repayment plan and status of our mortgage expecting to hear we were caught up. Much to our surprised we were told we were even more delinquent than when the program began, owed over {$5000.00} and were still in danger of losing our home. Citi immediately offered to work out another repayment plan to catch up on our mortgage. We appreciate your help in getting this matter resolved quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (UT).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: From XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been making unauthorized debts from my checking account every month totaling what I believe to be a total of {$930.00}. I contacted both companies XXXXXXXX XXXX and XXXX XXXX about the charges and they confirmed my verbal cancellation and my absence from the institution, they stated that a written confirmation was needed, which was not stated to me as I left the gym XX/XX/XXXX with the previous managers made aware of my cancellation. I contacted my banking institution Navy Federal Credit Union and they found the transactions and updated my bank account and billing information with the company without authorization. This was due to a previous incident with my identity being stolen and being issued several bank cards along with a new bank account number. Currently they are stating Regulation E which provides regulation of bank transfers. This however is not enough due to this account being updated by my bank Navy Federal Credit Union. My next step is to make a lawsuit involving all three parties Navy Federal Credit Union, XXXX XXXX, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My mortgage was recently sold to Nationstar Mortgage. I am a month behind on my mortgage and have been since before they bought it, I have discussed this with them several times, they know my situation and that I am working to resolve my delinquency. However, since they purchased my account, they have been in nothing but a dogged pursuit of me because I am a month behind. I was receiving relentless phone calls until I blocked their number, I get letters in the mail it seems like every other day, emails, most recently text messages and now they 've had people showing up at my door. I am not in default of my loan, I am a month behind and trying to get caught up, I have told them this several times. This kind of abuse is ridiculous, cruel and needs to stop, it should be criminal for them to harass people like this, especially when I am trying to work with them. The real kicker is that my mortgage was included in my bankruptcy in 2011. If I am not mistaken, I do n't believe they should be calling or harassing me at all as a debt collector. In addition to the abuse, they have begun submitting negative " hits '' on my credit report, I do not believe they can do this either? I have also seen additional fees, I presume they are borne out of financing their harassment regimen, but I do n't believe I should be responsible for those either? This company is out of control and needs to have someone with the ability to end their bullying, do just that, END THE BULLYING. I hope I did n't go through the process of writing this complaint for nothing, please do something to end the abuse of hard working middle class people that have found themselves momentarily down on their luck.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Management at apartment complex cleared lease obligations with no other financial debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: An unauthorized charge of {$120.00} was taken from my prepaid credit card and applied to my estranged husbands account. When I contacted the company they said that because the card was used previously on the account, that they are authorized to take the funds. The card was supposed to have been transferred to my new account when I established it a few months ago. I have filed a complaint with American Express and with XXXX, both with no success. American Express said they would contact me within ten days with a response as to whether or not they will return the money, but dispite several calls to them, they will not connect me with anyone in the dispute division. They just keep saying it may take longer than the 10 days. Its been over a month since I first contacted them to correct this issue. Your webpage states that they need to respond within the ten days, or refund the money minus up to {$50.00}. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I requested a credit investigation on XXXX XXXX. Despite multiple follow-up attempts, Equifax has not sent me my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Auto) with Consumer Financial Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Daughter of involved in an accident vehicle was a total loss. I did not have gap insurance and my daughter who was hit outside her vehicle has back has fractures and dental work. I can not pay at this time I have told them numbers told and we both receive calls daily I have spoken to them and explain paying the gap is not my prioity. Accident occured in XXXX and they call all XXXX people on contact list. On XXXX XXXX my parents home XXXX sister and my brother in law all answered there call and so its harrassment at this poiny. I have not moved my by hers have not changed and the call references at least once a month for the last XXXX. Just be a use I tired of repeating myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. had systems which were improperly and insufficiently secured. As a result of their negligence, my information, along with an estimated 143 million customers from the United States, the XXXX XXXX, and XXXX have had our information put at risk. This negligence jeopardized and made names, Social Security numbers, birthdates, addresses, driver 's license numbers, and credit card numbers available to users who Equifax Inc. 's negligence and insufficient security processes enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My husband applied for  a Chase c redit card  (   XXXX   XXXX   ) to transfer the balance of on  XXXX  of our high interest credit cards. It did not transfer the entire balance in  XXXX    XXXX  . I went to payoff this credit card and saw that we were charged the {$93.00} balance transfer fee. I called chase today  XXXX  and spoke to an associate to see if this fee could be waived since I was paying the card off and the account was not serving its purpose for us. He said he could not help and transferred me to a supervisor. The supervisor said this fee is not able to be waived and he did not care about our situation. We have had the account for less than  2    weeks. We have never used the card and was asking as a courtesy to have the {$93.00} fee waived. I do not see why the fee could not be waived. we are not planning on using this account. In fact I paid off the card and am planning on closing the account. Please assist in getting this {$93.00} fee refunded to myself. My husband and I are trying to get out of debt. we just had a new baby.

Company response to consumer: Closed with explanation