milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (GA).
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: The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Debt collection (Non-federal student loan) with Patenaude & Felix APC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 

P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS. 

ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER. 

ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX. 

NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX. 

P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT. 

P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: In XXXX of 2011, I had some fraudulent activity occurring with my checking account through Bank of America. The activity happened at an ATM, which is fully equipped with cameras. Upon learning of the incident, I immediately filed a police report with the XXXX police department and submitted a copy to Bank of America. Now even after submitting a copy of the police report and being told that the person on the camera was not me, I was told by the bank that the only way the fraud could occur was for someone to have access to my pin number, which was in a sleeve with my card, as this was a new account. I was also told that since I did not secure my pin number, that I was considered an accessory, and was permanently band from Bank of America, not only did they band me from their facilities, they also entered my name on a fraud report, which denies me the right to utilize any other bank.

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 02/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Credit reporting agency did not delete collection information, negative accounts and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2 . XXXX 3.XXXX 4 . XXXX InQuiries 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5. XXXX 6.XXXX 7.XXXX 8. XXXX 9. XXXX 10.XXXX 11.XXXX 12.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 02/23/2018 about Debt collection (I do not know) with Financial Management Solutions (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: FMS Collections threatened legal action against me for debt that I do not owe. I explained that I do not owe them debt, and they have made negative marks on my credit anyway. At no time did I sign any promise to pay or agree to pay any debt to them. I have no history of a connection to them for any service or purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a recent college graduate from the University XXXX XXXX in XXXX Pennsylvania XXXX one of the first in my family ). However, due to financial difficulties after attempting to pay completely out of pocket I took out loans through XXXX XXXX ( now Navient ), totaling roughly 60,000 over 3 years with my grandfather as a cosigner. During college I paid all interest to keep the loan as low as possible after I gradtuated. When initially getting the loans they were to be paid over a course of about 20 years. However, once I received my first statement after graduation, I saw that the amount due was just under {$800.00}, something that was impossible for me to afford. I attempted calling Navient to inquire as to why the loan was so high, and they informed me that my loan had been changed to an 8 year loan and neither I nor my cosigner were informed of this change. Due to this, I forebore my first payment. Over the next several months, I attempted to figure this out with Navient, from which came nothing but a series of false information, Navient hanging up on me mid-call several times, and three more forebearances ( as well as misinformation regarding the forebearances ), with no results. All I want to do is make my payments, but I can not, nor can my cosigner afford the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am refinancing an existing loan with the same lender ( Bank of America ). Got a closing date of XX/XX/XXXX and Closing statement. On XX/XX/XXXX, Loan officer called and mentioned there is one credit card which is not available in the credit report provided by their credit report provider. I have provided the credit card statement, but the loan officer want me to call the credit report provider and add that credit card to the report or they will not proceed with the loan. I explained, the credit card is active for many years and it is not my responsibility to add a debt to any credit reporting agency. Now, they are not allowing to proceed with the loan and I do not want to add any debt to my 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get a copy of my equifax credit report online ( XXXX and XXXX worked fine ) and was unable to get a copy of my equifax report. one week later I tried to get a new mortgage from a bank, and they could not access my information on equifax. I called equifax and they will not tell me what the problem is. They told me " they will not finish '' their investigation of my report unless I send in documentation. I have to submit copies of my Social Security card, Prove my address, Photocopy of drivers license, IRS tax forms, ... I asked what the investigation/review was for they would n't tell me. XXXX XXXX told me they would n't do anything with my credit report unless I sent everything to them. I again asked why there is a review of my report and what that meant, she replied " i already told you you have to send in the information ''. I thought everyone could get a copy annually of their credit report. I guess you can unless they are magically reviewing it. Which has happened the last few years with equifax. I am only complaining this year because now it is affecting me getting a mortgage. My lender has a policy that they view all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit reporting () with FORD MOTOR CREDIT CO. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: * My reports continue to incorrectly show me 30-days past due XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my Ford Credit account. 
* Attaching letter dated XX/XX/XXXX requesting correction of these items including supporting documents, i.e. bank statements showing no interruption in payments for period XX/XX/XXXX-XX/XX/XXXX. 
* As of XX/XX/XXXX, I have not received a response to my XX/XX/XXXX letter. 
* REQUEST : Please help me get these items corrected on my credit reports.

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

Complaint: Equifax Inc. recently disclosed that its systems were struck by a cyberattack that may have affected the credit information of 143 million US customers. It was announced that intruders accessed social security numbers, birth dates, names, addresses and driver 's licence numbers. Equifax also provided an online website for customers to check if they are affected. Based on the information provided there, I was told that I may be among the affected customers whose information was improperly accessed by the intruders.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I are trying to pay off our mortgage. We made a payment XXXX in XX/XX/XXXX to go to principal only. They only applied XXXX to principal and the rest on insurance which makes no sense because our insurance is through the payment and is up to date. I called and the representative said that was a mistake and it was fixed and would show up on the account in five days. So when I called back in five days it was not fixed. She told us that the request was put in but never completed and she would put in another request and would take another five days! We have been trying to pay this off since XX/XX/2016! We have gotten the run around for months and we have been lied to over and over. We have had this loan for over twenty years so we sent in a offer to pay the loan to see if they would take less. We were told they approved this offer then they ordered XXXX appraisals of the property. After some digging we found out that they only do appraisals in a foreclosure. We called back only to find out that not only was the pay off request not sent in also the lady we talked to does n't work there any more. We are at our wits end and need help. 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 07/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have reached out to this company to send validation and verification of charges in my credit report. I received a bill from a company with a different. I have been sued by XXXX XXXX and only paid as I feared what further damage this company would do to my credit. I feel this was done as a retaliation as I have began to take a closer look at my credit report and dispute inaccurate items. I do n't have a contract or any type of agreement with this company. This company has reached out to my parents and disclosed my personal information as well as mailed letters to their address. I have never given them any information for my parents. I fear that because if this complaint they will try to sue me again. I am in fear they may send something to my job which could cause impact on my career.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with Lionstone Holdings Group (MO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A man called me claiming to be XXXX XXXX. He said that he was going to come by my house Monday, XXXX XXXX with papers for me to sign because I was being sued. If I did not call the number XXXX With the said reff number he would be coming by my house with paperwork to be signed because I was being sued. When I called the number it was to Lionstone Holdings. I am not sure what they want but I have never had a loan through them, nor do I have an unpaid loan. I do n't appreciate a strange man saying he is going to come to my house!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital one charged me an annual fee on  XX/XX/XXXX . The fee was for {$39.00}. I tried to contact them in order to inform them i wouldnt be able to pay it due to college tuition amd expenses. They refused to help. I been a customer since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Medical debt) with Nationwide Recovery Systems, Ltd (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationwide Recovery Systems ( NRS ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone XXXX 

This company is fraudulently trying to collect debt that his been paid. 

I 've sent them a copy of the receipt which reads the original account number issued by the medical provider. However, NRS claims this is not the account because it does n't match the account number issued by their agency. 

The amount they are fraudulently trying to collect is {$930.00} which is the exact amount on the receipt I sent. The medical provider is the same, the amount is the same, and the date of service is the same. Yet, they claim it is a different account with the same exact amount on the same exact date with the same provider. 

I 've checked with the provider and the account paid is the only account they have. There is no second account on the same date for the same exact amount. 

I need for the harassment to stop. I paid my debt and do n't want to be extorted into paying it again. 

I appreciate you looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have been making payments on my capita l one accounts. I may not  be able to make the minimum payment but I have been trying really hard to at least pay something. My husband has been  XXXX   XXXX   XXXX  for over 4 years and now he has a  XXXX   XXXX  he fighting too. With all the doctor bills and I just recently lost my job and had to find a new job. I just ca n't seem to catch a break. They are now harassing my mother-in-law about my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NH).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, I had applied for a loan modification through Chase Bank for my mortgage held by XXXX XXXX XX/XX/XXXX. I have had several SPOC ( single point of contact ) and been in touch with executive office as well as escalation department. This application was denied and I have since sent in a new application per advise from the executive office. I am having extreme trouble getting the correct information to help me with the process. Everything from, no phone calls and return calls from my SPOC, executive office, to verbal miss information about my modification qualifying or not. I could not get a solid answer of why I was denied. I was told I could n't get a modification because my property was n't owner occupied and then I could but needed more income. I feel Chase is violating OCC rules by not sending me this information in writing and not submitting a COMPLETE MODIFICATION PACKAGE which was complete XXXX/XXXX/XXXX and not being submitted until XXXX/XXXX/XXXX. In limbo for more than two months. On XXXX/XXXX/XXXX a representative XXXX read the notes and told me the modification package was ready for underwriting on XXXX/XXXX/XXXX. I have tried to reach my most recent SPOC XXXX XXXX several times with no success. He has been my contact since XXXX XXXX, XXXX when he was assigned to my file. A month will go by before he calls me back. has told me he " has XXXX accounts and is very busy ''. He said he " will get off the phone with me and get right back on, he is on the phone all day ''. I have called his supervisor about this matter and that did n't resolve the issue. On XXXX/XXXX/XXXX XXXX told me Chase took me " off his portfolio '' my " file is in limbo. I have since submitted a new application on XXXX/XXXX/XXXX through XXXX fax sheet Chase provided. I called XXXX XXXX XXXX/XXXX/XXXX he was not available nor has he called me back. I spoke with XXXX XXXX and let her know I faxed application. I called XXXX/XXXX/XXXX XXXX not available spoke with XXXX XXXX she said they received application. Explained to her the issues I have had so please have XXXX call me so we can go over it. No call from XXXX! 
I got a call from XXXX XXXX in the escalation department he says to call him if I have a problem. When we went over my application he told me I would not qualify because my sons income was too much. When I asked for an explanation he was taking 2 months of pay stubs and using it as 1 month income. I pointed out his mistake and also let him know if he would look at the contribution amount on the application it states exactly what my son contributes. I have no confidence in this representative from the escalation department, my SPOC, or executive office. I am dealing with untrained representatives. Getting different answers to same question. misinformation and not getting it in writing. I have taken detailed note of who I speak with, dates and their extension number. Please contact me if you need all the details.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving calls from this collection agency, EVERY day at least once a day for well over a month now. I did answer over a month ago and let them know I lost my job a few months back and that I would pay the past due cable bill directly to the company it is owed when I receive my taxes, which I have not yet received. I also have made XXXX small payments towards this bill and mentioned to them that I was paying it down when I was able. I also answered XXXX of their calls two days ago and told them to cease and assist, they hung up on me and proceeded to try again the next day. It 's getting really irritating and they call sometimes at XXXX when my kids are asleep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: all XXXX bureaus failed to correct XXXX reporting inaccurate and incorrect information about current payment status

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 06-10-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company is reporting erroneous and unverified information in my credit file.  This information is not being reported correctly and should not be reporting at all. Please investigate this erroneous frivolous information.  Equifax needs to be investigated on a XXXX level and shut down for the negligent handling of consumers accounts.
XXXX XXXX  - Unverified erroneous account that is reporting incorrectly and has been reinserted from a previous time.

Company response to consumer: Closed with explanation