milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i call to chase and they said that I has to call XXXX, when I call XXXX they said that they not have a chase inquiry in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed a bankruptcy on my credit reports back in the begging of the year. On XX/XX/XXXX I sent a letter to the XXXX Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to the Credit Reporting Agencies ( Experian, XXXX, and XXXX ). I received a letter back from the court on XX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

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 05/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received a student loan from XXXX XXXX XXXX of XXXX in XX/XX/XXXX for XXXX. It was my XXXX year and I had run out of money to attend and exhausted all of my choices. I was told by the school that I would be able to roll this loan into my XXXX. Also, the rep from XXXX stated that that would be the best way to handle my loans. Well, I graduate, start on the paperwork and found out that I can not do this. What really caught me off guard is that this loan is basically treated like a credit card, with a variable rate. I am XXXX years old, divorced with a child ( XXXX years old ), and XX/XX/XXXX is my payoff date! I do not know what to do. I 'm trying to by a home, but need to take care of my family. The job I have does not even come close to paying my loans off. I do work for a XXXX and have over XXXX years in the XXXX. I qualified for loan forgiveness on my XXXX, but not on my private loan. I did not even know I was receiving this type of loan. Any help or advice would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was scammed by the XXXX into an ARM loan for my home ( XXXX was sued and went out of business ). Since then I tried to refinance into a fixed loan through several banks that all had terms I did n't want ( like money out options ). Later I found out that the main XXXX credit reporting companies ( Experian, XXXX and XXXX ) were lowering my score each time I applied for a loan and reported delinquencies that do not exist ). I want them investigated and prosecuted. XXXX refinance company ( XXXX ) even went through with the loan application after I told them I was going to sell the home. I then received a rejection by their bank ( XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These items that appear on my experian report are not mine and need to be deleted immediately. I want these companies to provide me with a signed agreement with my signature stating I opened these accounts. I have disputed these items with experian before and they will not reinvestigate these trades but simply state that they have do so already and refuse to reinvestigate these trades anymore, I received no proof from experian stating that these were my trades just a simple oh well we verified they are yours you dont like the results too bad. Im done trying to be nice with credit reporting agencies I want written proof something with my signature stating I opened and used these accounts. the trades are as follows. 
XXXX XXXX acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX XXXX bank acct number XXXX .... 
XXXX XXXX Bank acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX acct number XXXX ... 
I want written proof from these companies that these accounts belong to me meaning something with my signature stating that I opened them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified XXXX multiple times but they won't remove it off my credit report. USAA also has a missed payment on my XXXX credit report that needs to be removed, I was never late on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with Genesis Credit Management, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A debt collector that solely has business with my husband on an issue from before he and I met tried to contact me through my employer by phone yesterday as a fear tactic and spoke with another member of my company and told them that I needed to call her back before XXXX and the let me know she works at " Genesis Credit Management. '' I have XXXX business to do with this, I have never spoken to her, my husband never authorized anyone other than him to talk to this company regarding his debt so I can with 100 % certainty say she phished for my information and contacted me as a 3rd party at my place of employment. This violates XXXX of the FDCPA rules alone. 


For more context : My husband experienced an incorrect eviction ( partial rent paid on XXXX due to XXXX out of state immediate family deaths and then rest in middle of month after 10 day had already been served ) earlier this year ( before we were married and on an apartment I have XXXX association with ). 

He has been contacted repeatedly in the last week by an " XXXX XXXX '' from " Genesis Credit Management '' and I have listened as an observer only to her berate and verbally abuse him ( on speakerphone ) while he tried to respectfully work with her on a payment plan. She continued repeatedly threatening to " take him to court and garnish his wages if he does n't pay his debt in full now! '' I would be happy to listen to the audio recordings she supposedly took of the conversation. 

Needless to say my husband tried to negotiate with her to the best of his ability but no amount that he can afford was enough. 

I called her and left her a voicemail letting her know I would not tolerate her contacting me, let alone at my place of work so that rumors could spread and soil my reputation without any backing. I want to file a lawsuit and sue her for the damages of dragging me into a matter that does not involve me and by getting another person at my place of work involved in business that is personal for my husband and does not affect me or the company I work at.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Payday loan) with Big Picture Loans, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed up for a loan that I took out for {$450.00} with a finance charge of {$220.00} and I did n't realize at the time I 'd end up paying a ridiculous interest rate on the loan. So I asked them if I could set up a payment plan, but I did n't realize I had to pay the amount of like {$1200.00} and they refused to help me lower it. So I let it go collections, now they 're saying I owe {$920.00} with a {$220.00} finance charge and a late fee of {$20.00} included in it. I 've been trying to resolve this with them but getting it resolved has been the biggest headache. I 'm hoping you can help me get this resolved these people are the biggest scam artists ever! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have  a citi professional c ard on my name I don, t have a company and des pite the law from 2009 to apply payment to the higher rate balance I realize now they are doing to the lower. I called them but they told me it is not for this kind of card because it is a business credit card!!!! I read the law and nowhere I found difference for holder.

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 05/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have my account set up for electronic draft payment bi-weekly .There charging me late fees no fault of my own, tried to get this straightened out several times. Also submitting principal only payments using mail in coupons using the additional principal only box and they are not being applied for principal only. They allow for both bi-weekly and principal only.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Coast Professional, XXXX, LA contacted me by mail. Late XXXX, 2017. They back-dated the letter, and every one since. I have seen/heard nothing about this in 12 yrs. Now - big hurry, garnishment & more threatened ( in cloaked language ) and they are railroading me. Blizzard of mail. From FSA too ; a gov't agency!
Now : they failed to send a LEGIBLE copy of the Note. They both mis-represented, grossly, my right to dispute ; and seem not to want to allow me to do so. Coast & FSA too omits to tell me of options that I may/do have - and send me the wrong dispute form. They ignore my questions ( few & germane ). Wo n't give me time to dispute, in essence. Treading on my rights. They under-credited me for payments made ( I have documentation ). They allege an inflated total, therefore. They both say they can get a 20 % commission, by law, to collect. In fact the maximum is 18 % - yet they state I " will be required to pay 20 % '' to them. Over {$5000.00} - motivation for them to press me hard and in short time frame. My supporting documents are ( 1 ) I ca n't transmit them online from this terminal I have no USB camera/phone ( 2 ) some are in storage 300 miles away ( 3 ) my letters in response to theirs - same as ( 1 ) above. Snail mail seems to be my only choice, so far. Any suggestions? XXXX go ahead & email me. Nothing to hide here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with Coastline Financial Resources, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a voicemail from a lady in reference to a legal matter for someone that is not me. She left a voicemail about a process server and a number to the client she was calling for stating they were trying to serve this person whom does not and has never resided with me. I called the client Coastline and Associates known as C & A number and spoke with someone and he became very irate when I asked him to remove my number from their call list stating they were trying to reach this person and it was not me. I explained I am not that person and he continued to ask if I knew her and I told him it did n't matter if I did or did n't and not to call my home. They skip traced and located my number as someone who is somehow connected to this individual. According to FDCPA they are not to contact others but once about trying to locate an individual. When I asked them to not call my home or contact me he became irate stating they should not have given my number out. I know they had no way of giving my number because they do not have my number. My number is a new number. This man harassed me and badgered me even cursed me so I cursed back. I do not appreciate being called about anyone debt and would like this company to cease all calls to me in relation to anyone I may or may not know or be related to. I researched and found they are scamming on old accounts that are all over 12 years old. It is in most cases it is past the statue of limitations to contact someone about a bill that has fallen off their credit for over 7 years or that was discharged in a bankruptcy case. If I continue to receive calls I will file a lawsuit against them. I will also contact the attorney general office on this company. I am not the person they are looking for therefore I should not be harassed or called. And frankly if they are contacting a person for a debt well over the statue of limitations they should cease and desist all contact with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I have a complaint with the practices of Bank of America Home Loan Department. 
I applied for a home equity line of credit and was approved on XXXX XXXX. My home is sitting on XXXX acres of property. I have XXXX other building structures on the property. At the time of application, there was no requirement from the bank to have flood insurance on my property. After submitting all the requirements, they approved my application. Then I received a letter from the bank dated XXXX XXXX, requiring me to purchase flood insurance for my home. I have called the bank several times to resolve the issue but to no avail. I called XXXX regarding the change in the zoning of my property. XXXX informed me that the changed happened in XXXX XXXX. 
Now my property is considered in a flood zone. My question was why was I not required by the bank then to have flood insurance on my property. Did they not do enough research on my property? I have tried many calls to the bank to resolve this issue but to no avail. I could not cancel the contract until three years or else pay {$1200.00}. So I just bought flood insurance to resolve the issue. 

Then a letter from the bank dated XXXX XXXX stated that I have to buy flood insurance for XXXX other structures on the property. Now my issue with them is why now. These structures all existed prior to the initial application of the loan. 
I just feel that whoever made the first assessment did not do their job properly. 
During XXXX of my conversations with customer service, they said that it is not required to insure a building if there is no bathroom or kitchen. I explained to them that XXXX is constructed as a pole barn without bathroom or kitchen. I suggested that they should send someone to reassess the property. I felt that they were just basing their assessment via satellite pictures. 

On XXXX XXXX, I received a bill from Bank of America for {$490.00} for flood insurance for the barn and another structure. 

Hence I am writing this complaint. First, I felt that I should have been allowed to cancel my contract without penalty during the initial application. Or allow me to cancel it now without any penalty. Next, charging me for insurance on a building that does not need XXXX is uncalled for. And if I do n't pay the bill while I wait for a resolution, I will be charged interest daily. 

I hope writing me this letter will give me some resolution. 
Thank you.

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 10-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: In XXXX spousal support {$500.00}. for 9 years. End of XXXX ' that ceased and I tried to work with creditor for the {$3000.00}. I owed. But they kept adding fees and continuing calls some XXXX x a day. I filed bankruptcy in XXXX that got lost. My kids unknowingly paid them in XXXX. I again tried to work with them to no-avail. Every time they sell the loan I get harassed. I explain everything XXXX times. The last company every day, threatening to come after me or take me to court. Which I am all for! Then I learned about Cease and assist no communication.so each time in writing I give it to the people. The last time was maybe 6 months ago. Today I got a phone call from the same number XXXX XXXX from a XXXX XXXX from XXXX Recovery. He said my balance was $ XXXX on a {$3000.00}. debt. In XXXX every day multi calls they harassed me so much I had a nervous breakdown. I did everything in my power to work with them to no prevail. My credit in XXXX was XXXX I paid my bills. In XXXX ' I lost my ; spousal support, lost my business, had my regular job cut, was paying {$1200.00} a month on health benefits and my son XXXX while living with he dad. I am a XXXX senior on {$1500.00}. a month. I make too much to get any benefits. I have no credit cards since XXXX ' I owe nobdy nothing and my credit score is XXXX all debts are over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2016 a single authorization was given to Branch Banking and Trust to pull my credit to obtain a personal loan. On that day XXXX inquiries were pulled and XXXX more on XXXX XXXX 2016 without my consent. I contacted the branch manager ( XXXX XXXX ) who stated she submitted 2 disputes on the inquiries for me and I contacted a customer service representative named XXXX who said she had checked into the matter and nothing could be done to remove the inquiries. I have been sent around in circles over this since XX/XX/XXXX with no resolve. I need help from someone to help get these unauthorized inquiries removed 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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 05/19/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Suddenly, got a call from RoundPoint ( in XX/XX/XXXX ) that we had missed two loan payments ( XX/XX/XXXX & XX/XX/XXXX ), but our loan had been sold XX/XX/XXXX to XXXX, not RoundPoint. When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )

Company response to consumer: Closed with explanation