milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The creditor Midland funding LLC original creditor XXXX has entered a judgement against me for a debt that has past the statue of limitations and is time-barred in XXXX. I believe they are conducting unfair business practices. They have violated the Fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: on XX/XX/XXXX I called the number on the back of my card because my transaction was declined come to find out someone has been using a copy of my card making purchases and taking money out all while I was still using my card on a daily basis. My claim amount and number is # XXXX {$6000.00} the second claim was # XXXX {$1400.00} then I was advised I had nothing to worry about id be given a credit and they would do their research a couple of days later no credits to my account had been applied so I called ad the SPECIALIST that had helped me the first time made a duplicate claim of both claims which got my claim automatically denied because it was as if I was trying to lie my way to get credit. which in itself is not accurate because it was never my mistake then they reopened the claim but I had already had a bad start with there now being 4 multiple claims that I had supposedly filed. they never credited me anything and still deny the fact that they need to refund me the money that was stolen.

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 10/30/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I have been waiting to hear from NationStar Mortgage. I filed a complaint and they agree to respond by XXXX XXXX, 2015. To date there is no respond

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Dear TRANSUNION I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. TRANSUNION I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. XXXX I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP

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 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian IS REPORTING CREDIT INQUIRIES THAT SHOULD BE REMOVED AFTER XXXX YEARS, THESE INQUIRIES ARE AFFECTING MY CREDIT SCORE AS I WOULD LIKE TO BUILD MY CREDIT. REMOVE ALL INQUIRIES FROM MY CREDIT 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 10-06-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I experienced a permanant separation from my spouse of XXXX years. I 've explained this to Ally Financial as I struggled to catch up on payments over the past XXXX  months. Their reasoning for not being able to offer XXXX type of assistance is due to the age of the loan. It 's only XXXX months old. I 've explained to them that since the separation, which was completely unforeseen, my expenses have understandably doubled since I 'm responsible paying all bills myself. I definitely do not want to lose my vehicle, but I 'm met with constant threats and intimidation tactics from Ally representations. They continually ask me for the reasons I 'm running behind on payments, do they not understand that people experiencing a separation after that amount of time might have difficulty getting thing back on track. I 'm am continuosly given incorrect or misleading information regarding their collections process, some reps say my vehicle will be XXXX XXXX immediately, others give differing variations of the process that are inconsistent and could harm consumers.

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 12-02-2017 about Debt collection (Other debt) with Pathfinder Credit Services (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: PATHFINDER CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB : On XXXX XXXX, XXXX I mailed Pathfinder PCS Credit Services a letter requesting validation of the above referenced account. In fact, I mailed this letter certified mail to provide proof of delivery. On XXXX XXXX, XXXX, this parcel was, indeed, delivered to Pathfinders address as indicated by USPS tracking number ( XXXX ). In that letter I did not refuse to pay, I simply wanted to invoke my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which grants all Texas residents the right to a proper validation within a thirty ( 30 ) day time frame. If a collection agency cant provide a proper validation, then said account ( s ) must be deleted from all three credit reporting agencies. Moreover, Pathfinders attempt at a proper validation, has  fallen short of the XXXX full legal guidelines thus violating my consumer rights as a resident of the state of Texas. 

Secondly, because Pathfinder werent able to do such a thingto be exact, this very rouge third party collection agency failed to provide a proper debt validation within 30 days, the trade line was supposed to be deleted from all three major credit reporting agenciesXXXX XXXX and XXXX. As of today, they are still reporting this negative trade line on my credit reportsthis being the case even after they received a second correspondence from me on XXXX XXXX, XXXX, informing them that their attempt at a proper validation had fallen short of the legal 30 day time frame. Again, this letter was sent certified mail ( XXXX ) and was delivered in XXXX XXXX, FL XXXX their companys domicile. The reason for the second letteras posit by the XXXX XXXX XXXX XXXX to give them ample enough time to cure notice, which again they failed to do. 

As it stands today, this very rouge debt collection organization is in multiple violations of the XXXX XXXX XXXX XXXX ; mainly for failure to provide a proper validate within a 30 day time period. '' In final, Im in the process of taking legal action against this organization in XXXX XXXX, Texas for multiple violations of XXXX XXXX and Deceptive Trade Practices-Consumer Protection Act XXXX of the Business and XXXX XXXX. Please be aware, I will be filing a civil lawsuit against this company for multiple violations of the XXXX XXXX XXXX, ( including but in no way limited to this organizations failure to obtain a XXXX bond in the amount of {$10000.00} ) and its failure to procure a business license in the state of Texas, both for which are mandated under Texas State law. In addition, Im in the process of filing formal complaints with the BBB of XXXX XXXX, FL, the Federal Trade Commission, and the Texas State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: now with the security bleach of XXXX i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..

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 10/28/2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called to make a payment, short version the man decided to tell me I had a attitude for asking questions. The manager was just as insufferable. The absolute worst people Ive ever had the displeasure of speaking with. These people ( that term used lightly ) behave as they are above you because you owe money. I actually find that funny as a majority of America has debt, that being besides the point they are awful miserable individuals who have no business working with people. I am in awe of this company in the worst way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX, I spoke to CS Rep. XXXX XXXX from CBE Group. I explained to her that her agency is reporting false information on my credit reports. I have no knowledge of the account. Call lasted XXXX. I requested that this agency validate this debt with proof of contract and clear signatures that I owe CBE Group any obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A tax lien was issued in   XXXX   while I was  XXXX  years ago with the state of Georgia. I was stationed in California but will still paying Georgia taxes and was away on  XXXX . It was handled upon my return via certified mail with payment. It was stamped released and I was told that it would be removed from my credit report. However, it is still being reported by the Credit Bureaus. I have attached a screenshot from the Georgia Departmen t of Revenue. I was  told to try this route for help.   Thanks in advance.

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 04/28/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I had a consumer car loan from Santander Consumer of XXXX for about twoyears. I paid off this loan recently, overpaying by XXXX payments, XXXX x XXXX = XXXX. 
Only after I stopped payment from the bank, did Santander inform me. ( Odd that they were very quick to tell me when I was one day late, by not two months paying when I didXXXX not need to! ). Instead of simply crediting my account they sent me a DEBIT CARD. I went to the bank they told me to go to, XXXX, but XXXX told me they could not help me, because XXXX I had to call. I called XXXX times, and finally on the last call I got through to someone who told me that they were just a service company, and NOT Santander. They said I had the wrong card number, and that I had to call the company, Santander, and ask them for a paper check. The problem now is that the SAME number is for both the service company and for Santander! Catch XXXX. I consider their scam is to get me to sign up for a credit or debit card ( now in my hands -- a debit VISA ) that I do not want, never asked for. HELP! Since when are companies sending overpayments back by issuing credit or debit cards? All they had to do was send me a check or credit my account. This is a scam. Please stop it!

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. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was part of the cyber security issue with Equifax. The companies failure to protect my information is unacceptable and the 1 year of " free '' credit monitoring they are offering as compensation is a slap in the face to everyone affected. This is an issue that will not just go away after a year but rather something that may be a threat that has to be dealt with for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (AR).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been locked in and out of access to my rush card and account since XXXX/XXXX/15. I have called the Rush Card Company numerous of times just to be hung up on or stayed on hold for and hour. Since then I have been struggling to get food for me and my children, I 've had to think of ways to make it back and fourth to work because no access to money to get gas. I have missed XXXX weekends of moving my furniture out of storage including each week I have been charged fees to pay just to get my things and now unable to pay them. I have not been able to pay the rest of my car note, unable to go to my eye appointment because of the {$100.00} fee that is needed and now I have developed and ulcer in my right eye that needs antibiotics to cure or it will get worst. My phone was stolen and now without any money I ca n't get mobile and I have XXXX jobs in which XXXX jobs require me to have a phone so I ca n't resolve that issue ether. I have been reading were this problem was fixed and I have been calling them since Tuesday and the automatic system is saying that my card is not activated in which I never put in a request for a new card. I 'm stressed out to the max and have been having more then XXXX and I 'm just over all the lies that they have told me since XXXX/XXXX/15. As of XXXX/XXXX/15 was the start date that I have had no luck with speaking to anyone at Rush Card regarding my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: For the past 18 months I have been disputing with Experian, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX XXXX ) *XXXX XXXX XXXX was added before called XXXX XXXX XXXX XXXX XXXX XXXX I also told Experian to remove ALL inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below.

XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX   XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX   XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX I also told Experian to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX and add the correct address.

and remove XXXX XXXX XXXX off employment.

My last certified letter that I sent Experian was on XX/XX/XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to 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 non-monetary relief
Consumer complaint received 06/22/2016 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: my husband and I are having hardship now we are two payments behind on our payments aand Selene finance wants us to pay over a thousand dollars and XX/XX/XXXX payment of XXXX and tis is not possable for us, we also found out that they have our loan now as being over XXXX after all 19 yrs, we started out in 1997 with only XXXX Ica n't understand how they did this to us. please try and help, thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY THIS PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THIS IS IN DIRECT VIOLATION OF THE FCRA..

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 08-04-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Other

Complaint: I have called several times for PAYPAL MASTER CARD update my BALANCES and send to the credit bureaus with URGENCY. They keep not reporting the current balances.

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 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I believe I  was one of the people affected by Navient 's deception with their student loan borrowers. I did n't receive timely informatio n about renewing my income-driven repayment plan, and they kept sending messages through their secure website which I struggled to find and log into and then you have to have a PDF reader to even open them. This caused me to not meet the deadline to re-apply for my income based repayment plan and my loans jumped up hundreds of dollars. I also do n't believe they allocated my payments correctly because it does n't look like anything went towards the principle. All payment we n't towards interest and yet my interest was still climbing. I believe they deceived me in my income-based repayment plans because they had my monthly payments at {$0.00} at one-time but they did not allow me to make any payments since they showed that {$0.00} was owed each month. So my interest continued to accrue but I was n't able to make payments. Then when they did show that I owed, they would n't let me pay more than what the monthly amount was owed so I was never able to pay off more every month so that I could work towards getting my principal and interest down. When I called in they tried to get me to take the forbearance plan so that I did n't have to make any payments but I told them the issue was n't that I could n't make payments but that I could n't afford the hundreds of dollars a month they wanted me to pay.

Company response to consumer: Closed with explanation