milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted an online dispute in regard to several accounts on my credit report that do not belong to me. Unbeknown to me my Foster Mother added me to several accounts which I had no access to, nor was I an authorized user for these accounts. I was denied credit and a residential unit because it stated I had credit cards with high balances an my debit to income ratio was high. I received the credit reports and saw the accounts listed. After doing my due diligence I was successfully removed off each account. I disputed the items and XXXX  and XXXX  both removed the said accounts from my report because I am not a authorized user nor are the accounts listed under my name anymore. 

Equifax on the other hand has been difficult. I received an email from Equifax an " dispute completed notification ''. When I tired to access the file online, it wont show me the resolution. So today XX/XX/17 I called Equifax at XXXX. The Representative did not give me his name or Operator ID. I explained my situation and he stated to me that I 'm suppose to call the Credit Card company and make them send a statement to Equifax. I tired to explain to him that I do n't have access to the accounts so I can not get a statement. The representative was rather nasty and said " do n't talk over me or Ill hang up on you ''. I said " excuse me ''? I said Sir please do n't be disrespectful I am simply trying o explain my side of the situation. He stated I do n't have time for this have a good day and disconnected the call. I think its rather absurd that I have to go through great lengths to get assistance. And If I speak up for myself as a Customer, I am belittled or scared tactics are used against me. How is it that 2 credit bureaus could easily delete the information from doing their own investigation while Equifax is requiring me to go and get information for them to prove I do n't own the account? I was n't the one who reported the incorrect information so why am I required to get reports and letters? No other bureau asked me for that. The sheer fact I was threatened and hung up on because I spoke my truth is a sign that there is something grossly wrong with this company. I feel it is unfair business practices and should be looked into further.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have received calls from XXXX XXXX XXXX for about the last 6 months, and each time I tell them that the debt has been charged off and I am on XXXX and can not pay anything now more than {$5.00} a month if the debt is real. That amount is just not good enough. They are consistently rude, talk over you, and threaten with comments like " I can make your life miserable '', " I guess you weren't very good at your job or you would not have this debt '', calling me " lady ''. They are unreasonable, unprofessional, and just plain Bully 's! I don't know if they are a legitimate company or scam artists. Either way the brow beating tactics they use are completely out of line. Please check into this company, I surely hope if they are scammers that no one has given them any money. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing a collection account owned by World Acceptance Corporation ( listed as Midwestern Financial ) being reported on my credit report. I have made several attempts to obtain VALIDATION of this debt, but I believe World Acceptance Corp is being deliberately obstructive because they do not have this validation. They claim I did not provide them with enough info, which is not true as my attached evidence shows. 

XXXX : My XXXX letter was signed for XXXX : WAC claimed my letter was not sufficient for dispute under FCRA ; they also sent settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter XXXX : WAC claimed they already addressed my issue and would not respond to future correspondence ; I then received a XXXX settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter with plenty of detail again explaining my request. As of today, XXXX WAC has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Auto debt) with STONELEIGH RECOVERY ASSOCIATES, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from Stoneleigh stating that they are the collectors for an account I allegedly have with XXXX XXXX. I sent a validation letter to Stoneleigh to tell them to provide me with a contract that has my signature that ties me to this debt. This letter was received by them ( which I enclosed a copy of tracking ) on XXXX XXXX, 2017. They have not responded with any documentation that I owe this debt. But they sent me another letter with a settlement offer that I received XXXX XXXX, 2017 but it was dated for XXXX XXXX, 2017.  So even after receiving my debt validation letter they chose to ignore it and continue to try to collect on this alleged debt. If no signature can be provided on a contract that bears my name, an agreement that shows that they can collect on the debt, or a validation of the amount this item I require a letter from them stating they cease collection activities on this account. In the letter I also asked to stop collection activities until they are able to provide such proof within the 30 day allotted time and they have violated that. According to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ), they are bound to provide me with such proof. Anyone can send a letter stating I owe an amount and that I am required to pay so I need proof that I actually owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company reported to my credit report before notifying me of the existence of this debt. I went to pull my credit report in XX/XX/XXXX and find this negative reporting item that I didn't know existed. Original Creditor is XXXX XXXX. I didn't know I owed a final bill and thought this was paid off and taken care of before I moved to my next address. OC never notified me of this debt and credit reporting company Diversified Consultants never reached out. I still haven't received a final bill. I called OC to verify the debt that was on my credit report, and they did an escalation in XX/XX/XXXX to see if this debt was legit before I would called the credit collection company. They verified it existed in XX/XX/XXXX. I tried to call diversified once, they said they wouldn't delete it from my credit report as a pay to delete although the circumstances, because their company policy states they do not delete any debt. This makes no sense, they reported this debt without notifiying me of its existence, and now expect me to pay it without them doing a pay to delete. I am not arguing the existence of this debt after talking with XXXX, I am arguing the fact that I was never notified of its existence, and I want it off my credit report, because if I knew about it, I would have paid it to prevent even going to this level. 

I called again on XX/XX/XXXX at XXXX XXXX to verify if this was still their stance. Even after hearing the story and getting management ( XXXX XXXX ) involvement, they are still unable to produce a pay to delete. 

In my experience, the debt MUST be notified to the consumer and then reported. I still have not received the bill that this company has this debt, they haven't even verified my address even after I told them that I never received any information regarding a debt. They will only take payment and not get this account deleted. I understand company policies, there needs to be exceptions for the people who actually are unaware of these debts. This is a {$350.00} collection that I would have immediately paid if I knew about it and I want it deleted from my record and I want to pay it for the deletion from my credit. When somebody is trying to pay their debt IN FULL, and lets you know of the circumstances revolving its existence, there needs to be someone that has the power to override a policy that is put in place to keep things reported for people trying to escape or not pay a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2017 about Bank account or service (Other bank product/service) with Ingo Money, Inc. (PA).
Issue: Making/receiving payments, sending money

Complaint: Ingo money app stinks, they deceive people into thinking checks get cashed faster when it has been taking me over six hours. This check is good period and they are blindsided, now I have to travel XXXX miles each way to the bank drafted on this!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A collection of {$2400.00} with Credence Resource Management that had an initial collection year of XX/XX/XXXX has been added to XXXX Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: my loan was transferred from XXXX to freedom. I called to make a payment to XXXX and was given the number to freedom. I made numerous calls and got a message that my loan was not in the system to call back. I made a call once a week with the same results. I got a notice that I was 1-2 months late and received a call from a collector. I made payments and now I have 3 showing late on 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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
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: I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 11-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted Navient back in XXXX XXXX 2015 to get foreberance because I am in school in XXXX. I paid the XXXX bucks. Now two months later I get a debt collector stating im two months behind. I called them and was told payment didnt go through. I asked them to tell me the account information. The person had entered it incorrectly. Because of their error im now behind and its affecting my credit. I live XXXX and I put email correspondence. My family said they recieved no letter. The manager told me its not their fault and even though they made the mistake its my responsibility to make sure payment was taking so its still my fault and I must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with NATIONSTAR MORTGAGE (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I receieved a robo call from my mortgage company today, XXXX XXXX, encouraging me to take out a home equity loan. I recieve regular mailings on this topic. I've told a telemarketer that I am not interested in this product and to take my name off of their call list. I even received a {$60.00} check from a class action law suit with this company over telemarketing calls promoting their financial products. The company is now called XXXX XXXX, aka NATIONSTAR. Please get them off my back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Struggling to pay mortgage

Complaint: In 2007 I received a check in the mail for {$5000.00} from XXXX XXXX, after losing my job. I called the company to confirmed that the check was legitimate. They persuaded me to come to their office and consolidate my bills into one payment to them. I borrowed {$30000.00} and took out a second mortgage on my home. The interest rate was high, but they said that if I made my payments on time the interest rate would decline and my payments would decrease over time. I 've been paying for this mistake ever since, and the principal on the loan has remained at {$30000.00}. The interest rate is currently at 12.290 % with no signs of decreasing. Since then my loan has been sold/transferred to different companies and is currently being collected by XXXX/XXXX XXXX XXXX. They 're saying that my payments are late and have destroyed my credit in the process. Is there anything I can do to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Debit owed to IRS was paid in full with 2016 tax return refund. Refund was taken directly by IRS. They did not report it paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with PREFERRED CREDIT INC (WI).
Issue: Charged fees or interest you didn't expect

Complaint: In Early XX/XX/XXXX I contacted pci to discuss pay off amt for XX/XX/XXXX. I spoke with XXXX one of the head supervisors. 

Today XX/XX/XXXX I contact pci again and have made a small payment since I last spoke with XXXX instead of my payoff amt going down it went up about 10.00. and they dont have a reason why and interest can not accumulate XXXX in 7 days unsless they were overcharging me interest This company is non transparent and shady. 

XXXX informed me my payoff balance was XXXX and after I made a XXXX payment my payoff balance should be close to XXXX. I am prepared to offer a XXXX settlement offer on my account on XX/XX/XXXX If they refuse or decline I will have no choice but to only pay the XXXX. pci is a shady predatory lender and I have had nothing but poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY 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 01/25/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Specialized Loan Servicing reported my debt as being 180 days past due in XXXX XXXX. However I was discharged in a Chapter XXXX bankruptcy in XXXX XXXX. This is in violation of of the Bankruptcy code. I have been approved for a HARP Tier 2 loan modification that will be finalized in XXXX XXXX. However it does not reaffirm the loan nor can they report to the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Unfortunately my husbands mother had passed away. This was happening during the time payment was due. I did inform them we had a death in the family and would be making late payment. I went on line a saw they imposed a late fee. On XXXX I submitted a message to them regarding this issue again. On XXXX I received a very cold and nasty letter from Ditech. It really had nothing to due with my issue. I never said I was n't going to pay my bill solely that is was going to be late. It was the second half of he mtge. If they go backs and see my record they will see my payment history. Only once where I did n't hit submit was a fee imposed. But I took responsibility for that, They also charge a fee to pay with their website. I asked for the fee to be removed. I even offered proof just in case they thought I was making up the story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: After  graduating  from  XXXX , Navient was supposed to consolidate my loans, they did n't. I agreed to auto payments until they took multiple payments monthly and then send delinquency notices.  XXXX  returned {$1800.00} t hat Navient had  no record. After draining my bank account I cancelled auto payment. Then  XXXX  took over my loans. While on  IBR  my payment jumped from {$70.00} to {$270.00} because my income increa sed $    XXXX  . I 'm terrified to submit my    2016  taxes because my income doubled. A rep from   XXXX   XXXX    said the DOE terms are payments are based off gross pay. I went to the site and they lied. Despite making payments,   XXXX   was STEALING from my savings. I cancelled auto pay  X /2016 but they kept stealing. I had to call my bank and make sure  XXXX  ca n't auto debit. Ive tried to disput e $    XXXX    pa id to  XXXX  because they did n't provide the program I was adamant from the beginning I wanted and I have NO degree. I try to repay, these loan providers make it nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Numerous requests over the years to remove credit card information from my profile with no results. I have a Superior Court Judge judgement from 1989 attached, showing I 'm not responsible for this account and they will not remove and impacts my ability to get the best rates.

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 07-04-2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Date of last activity was XX/XX/XXXX, and account was closed on XX/XX/XXXX. 

These people have no legal right to contact me and/or attempt to collect on a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation