milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlantic Credit & Finance, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Threating that I would get a letter from lawyer. I spoke with original debt and they stated I could pay them for 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 non-monetary relief
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/XXXX I attempted to payoff my student loan with Nelnet. I contacted them for a remittance address. I was given the wrong address and my remittance ended up with the Department of Education in XXXX. When this problem was discovered, I contacted Nelnet. I was told by the customer service people that my loan would be put in forbearance and not accrue interest as it would take some time for the refund from the Government. It was their mistake to give me the wrong address. The money was finally remitted and I again tried to payoff the loan in XX/XX/XXXX. Nelnet received the payoff on XXXX XXXX, XXXX. They are now claiming I owe more that {$1400.00} in interest, I do n't think I should have to pay interest because of their mistake. I did discuss this with several managers. The last one claimed I had been notified that the loan was still accruing interest. I have attached a listing of the correspondence from Nelnet. As you can see I was not notified of anything! I received my XXXX from the University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other transaction issues

Complaint: On XXXX XXXX I sent a wire transfer on the amount of XXXX from our account on Bank of America, XXXX XXXX XXXX XXXX to a company in XXXX, XXXX XXXX, XXXX Bank, dollar account. The Supplier responded to me one week later that they have no receive the money. Since then I has been in contact with bank of America, wire transfer XXXX XXXX XXXX XXXX and they say they transfer the money to XXXX, but XXXX have not received. I ask for the money to be returned. Nothing have happening and they tell me that XXXX have answer.

Company public response: Company 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. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and other XXXX XXXX Americans at risk not only financially but also emotionally. It makes me very anxious to have found that I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
As a company that handles sensitive personal information, they did not notify anyone quickly enough and admit that they will not notify everyone, while their top 3 executives XXXX XXXX, XXXX XXXX and XXXX XXXX sold their shares worth 1.8 million dollars 3 months prior to this issue was disclosed to the public  blinded by the quick profit!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: InXX/XX/XXXX, my husband and I filed for Chapter XXXX Bankruptcy due to my husbands illness. Two weeks after we filed, my husband was awarded XXXX XXXX XXXX through the Veterans Administration. The mortgage company was going to foreclose on our home and were unwilling to work with us, so bankruptcy was the only option for us at the time. We made monthly payments to the Trustee of the Bankruptcy up until XX/XX/XXXX. We had been advised not to have any contact with any of our creditors until the bankruptcy was discharged. The discharge came in XX/XX/XXXX. I never heard anything from any of my creditors including the mortgage company. At the end of XX/XX/XXXX, I began sending my mortgage payments directly to the company. In XX/XX/XXXX, I noticed my XX/XX/XXXX payment had been returned to the bank. When I called the mortgage company, they told me I was in default and that my home would be foreclosed. No mention was made as to when and where this default occurred and since we had been making monthly payments since the bankruptcy discharge, we had no clue. I contacted my lawyer and a seven month ordeal began. During this time, numerous letters were sent from the mortgage company even though they were advised not to contact us directly but to go through our lawyer. Seven months later, the dilemma was resolved. Apparently during the five months between my last payment to the trustee and the discharge, no payments had been made to the mortgage company. Had the mortgage company representative advised us of that, we would have made the payments. At the end of the seven months the mortgage company sent a settlement of {$5000.00}, which was to go towards our missing payments. We sent an additional {$810.00} to bring the account current. That was on XX/XX/XXXX. In XX/XX/XXXX, I checked my credit score and it was in the mid XXXXs. In XX/XX/XXXX I rechecked and it had gone down into the low XXXXs. Reviewing my account, I noticed the mortgage company had entered six months of 120 to 180 days late on my mortgage payments in XX/XX/XXXX I was astonished. I tried to speak to the mortgage company to no avail. My lawyer stated the mortgage company was within their right but I do n't feel this is ethical. I feel this is payback for having contacted a lawyer. This is not fair business practices. We just spent five years in a bankruptcy and now will have to spend five more until this mortgage issue can be erased from my credit report. I truly hope you can do something to help us. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: DCI called a few times to collect an old debt. They told me if I paid in full right at that moment they would remove the item from my credit report completely. So I paid over the phone. The item is still on my credit report and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Federal student loan) with URS Holding, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from ERS attempting to collect a debt. I replied with a letter on XX/XX/2016 with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the XXXX regarding this matter. I also stated in that complaint that I wanted ERS to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that ERS did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, XXXX XXXX XXXX XXXX, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX XXXX just because he says so.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with American Coradius International LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received letter ( XXXX/XXXX/16 ) from company ( " American Coradius International LLC '' ) claiming to be collections company indicating I owe {$370.00} to " XXXX '' via my XXXX account. I do not recognize the amount or the " XXXX '' name. I logged in to my XXXX account ( XXXX/XXXX/16 ) and note that no balance is present and any payments I made via credit during the past year and prior are resolved, with no indication of money owed. I have checked my XXXX and XXXX credit reports ( XXXX/XXXX/16 ) and see no indication of the {$370.00} debt or the " XXXX '' name, nor any other past due debts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I found out about the security breach at Equifax on Friday, XXXX XXXX, XXXX. I checked their site and was informed that my information may be compromised by this breach. On Sunday, XXXX XXXX, XXXX, I placed a XXXX fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collections notice from Allied Collection SVCS around XX/XX/XXXX regarding a XXXX Bill they claimed that I owed. I called the collections company and explained that I have not had a XXXX account since XX/XX/XXXX, have always paid all bills in full, and this is the 1st notice that I have ever received. The total they claim owed is {$4500.00}. <P/>The company could not access any records or provide any proof that the debt was owed. The collection action is on my credit report and affecting my credit score.

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 08/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: This complaint is against Bank of America in North Carolina. My father died on XXXX/XXXX/16. I am the executor of the estate. The court in NC is requesting the balance in his bank account on the day he died. Sometime in XXXX I called BOA. I was told I could pick that info up at any branch. I told them they closed all the branches in XXXX XXXX, and the closest branch is a half hour away, and could they just mail it to me. They said yes, I should get it in a week. I had not received it after 2 weeks, so I went to the XXXX XXXX branch. I was told I would receive the info within the week. About a week later I received a letter stating " An authorization/instruction letter is required in order to process the request ''. I called the number to see exactly what they wanted. BOA said they must have the request in writing. On XXXX XXXX, 2016 I went to the XXXX branch. The associate there was very helpful.She faxed all the info requested by BOA, including the death certificate and letter of testamentary, which they already have on file. She called the Estate department to make sure they got everything. They did. As of today, XXXX/XXXX/2016, I have received nothing. I can not close the estate without this document from BOA stating the amount in dad 's account on the day of his death. It seams to be the estate department refusing to cooperate. I will appreciate any assistance you can give me in this matter. XXXX XXXX

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 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After the death of my husband XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company public response: Company chooses not to provide a public response
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. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am potentially impacted by the Equifax hack. As a XXXX person with a high credit score, this could cripple my future. 

I am highly displeased that their " solution '' involves opting out of a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is reporting incorrectly my balance on my XXXX XXXX XXXX XXXX Vehicle loan. I have provided a snap shot of what is currently being reported. Current loan amount of {$9200.00} is incorrect and needs to be {$9000.00} as the other two bureaus are accurately reporting.

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 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a VA loan from Freedom Mortgage corporation during XX/XX/XXXX, my first payment was during XX/XX/XXXX. I have paid the loan each month on time, and many of my payments included an additional amount to be applied towards the principal balance of the loan. Each month Freedom Mortgage provides me a statement that indicates what portion of my payment was applied to interest, principal, and escrow. They also provide a breakdown of the same information for my next payment. It is impossible for Freedom Mortgage to determine in advance how much interest will be applied, unless they know the exact date I will make my next payment. The scheme they have developed is, apply a pre-determined amount to interest, and the remaindered deferred and they apply interest to that unpaid portion of the payment. I figured this out when I called for a payoff of my loan and learned of the large difference between the reported outstanding principal balance on my monthly statement and the actual payoff. I know there is and should be a difference mainly because of the interest that would have accrued since the last payment. My statement balance on XX/XX/XXXX reported an outstanding principal balance of {$220000.00}, however when I called for a payoff, I was told it was approximately {$220000.00}, that is a difference of about {$1400.00}, not the few hundred dollars I would expect, please note that my interest rate is only 2.25 %. The bank should be applying interest based on the principal amount due, accrued interest, and loan interest rate. There should not be a deferral of interest that also accrues interest. 
I understand how loans work, and how interest is computed, I am a XXXX in the state of Virginia and I knew something was fishy but did not conclude what was going on until I requested a loan payoff.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove 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 non-monetary relief
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent two certified letters ( See Doc 1 & 4a,4b ) requesting validation bearing my signature for a Capital One credit card in the amount of {$470.00} that I am currently disputing. I have proof that my letters were signed for and received. ( See Docs 2 & 5 ). Not only did they fail to provide me with proof of MY SIGNATURE validating the debt, they failed to update my account status as " disputed '' with the 3 major Credit Bureaus in the required 30 day period. Please note ( DOCUMENT 3 ) which is a copy of my XXXX report dated XX/XX/17 ... more than 30 days after Capital One received my letter of dispute, it does NOT have the account marked as disputed. By not placing the disclosure within the 30 day period Capital One has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or The Fair debt Collections Practices Act Section 807 ( 8 ). 
Capital One continues to send me copies of billing statements for this account which does not constitute validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XX/XX/XXXX I sent XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated, verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for your willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.

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