milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: These are the same accounts from CFPB case # XXXX. Also, please see the attached letter from XXXX which states my identity has been exposed to the public. 
These accounts were already removed and someone, please remove them ASAP. 

account has not been paid as agreed. 
XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$110.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$110.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$130.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$130.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$180.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$180.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$120.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
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 settled my debt wit h Navient th rough their collection agency named  XXXX   XXXX  with reference #  XXXX   XXXX  charged to my credit card.   i have been asking them for a letter form them showing my settelment with my account so i can send to credit reporting agency  XXXX  insted they report to agency on  XXXX   XXXX  that i still owe the full amount NOT true. my call was on Thursday  XXXX   XXXX .   i called   XXXX   and they told me  Navient sen t them falls report on  XXXX   XXXX  saying i still owe them full amount. as a result i am enable to clean my record and not able to continue my life back to normal . Navient is   NOT honest with me and damaging my credit. please help. i have all supporting documents showed i paid and settled my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested Experian to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be 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 02-07-2018 about Debt collection (Payday loan debt) with National Financial LLC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX - XXXX, called me at XXXX XXXX, STATING I OWED XXXX XXXX XXXX   MONEY STILL. GIRL WOULD NOT STATE HER NAME. I FILED BANKRUPTCY ON THIS LOAN AND THE DISCHARGE OF DEBTOR DATED XX/XX/XXXX. XXXX XXXX XXXX WAS INCLUDED ON THIS DISCHARGE DATE. LOAN # XXXX DATED XX/XX/XXXX AT THE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX - PHONE # : XXXX AMOUNT AFTER LAST PAYMENT MADE ON XX/XX/XXXX WAS {$450.00}. LOAN # AND THE XXXX STATED IN THE BANKRUPTCY PAPERS. THE LADY STATED THAT I TOOK ANOTHER LOAN OUT AFTER MY BANKRUPTCY WITH THEM. THIS IS NOT TRUE AND SHE OFFERED NO PROOF. XXXX XXXX XXXX WOULD NOT GIVE ME ANOTHER LOAN ANYWAY AFTER FILINING BANKRUPTCY ON THEM. I DO NOT NO WHAT KIND OF SCAM SHE IS TRYING TO PULL OFF - BANKRUPTCY CHAPTER XXXX CASE NO. XXXX. SHE IS IN VIOLATION OF THE BANKRUPTCY LAWS AND I DO NOT APPRECIATE THIS!!! PLEASE HANDLE THIS AND STOP THE HARRASMENT NOW. SHE THREATENED TO FILE A LAW SUITE .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: This is just XXXX of the XXXX late payments that they reported to the credit bureaus Account Details Last Reported XXXX XXXX, XXXX Creditor Name FEDLOAN. Account Type Student Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 146 Months Monthly Payment {$0.00} Responsibility Individual Balance {$3200.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status 60 Days Late Date of Last Payment -- Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor. With no monthly payments, am current, no date of last payments, how can I be late on those payments?? FedLoans was opened XXXX XXXX last reported XXXX/XXXX/XXXX They need to furnish me with the POLICY/ GUIDELINE manual for XXXX, I want proof that I was late 60 days, and how and why, and the exact timeframe from XXXX in which they are required to report, when they are stating in my credit reports I was late on XXXX different FEDLOAN reportings on my credit reports with all XXXX late at 60 days, a payment of 60 days! in which was in deferments or forbearance at that time, also I had spoke to a CSR and they stated they do not report to credit bureaus until after 90 days!!! If they can not they need to remove all that they have reported to the credit bureaus immediately!!! It adds up to about {$35000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was given false information about statuses and payments for my loan. My deferrment date for my loan also changed. My loans were supposed to be in deferment until XXXX XXXX, Navient made my loan repayment change to XXXX XXXX. My interest rate was increased without my knowledge, and no one could give me an answer why. I was forced to take a forbearance for my loans, which continued to allow interest to occur during those timeframes without being offered any other options. They did not work out an affordable payment plan for me when I had a job change/was unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent this company a debt validation letter as I do not believe that they have a right to collect this debt and/or report it on my credit report. This company has not sent me any reply to my debt validation. 

They have also unfairly changed the status of the collection account on my credit report to say " consumer disputes this account information Collection account ''. This is unfair as I have only asked them to validate the debt and have not formally disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Debt collection (I do not know) with GMA Investments, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well, as he told me yesterday a collector called him weeks back asking for me. I have n't put any of these family members on any credit related items. I think this is a scam.. I have researched online and found many other people complaining about the same place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Shopping for a loan or lease

Complaint: Dear CFPB Staff, This letter is to notify you that I was not able to get a helpful response from KIA Corporation and I am turning to you as a last resort. 
The situation ; back in 2014 I leased a vehicle asking for a 2 year contract. The sales associate and sales manager agreed confirming verbally that it will be only a 2 year period as I was asking. 
After those 2 years and trusting their word, I decided to turn in the vehicle and lease another car for another 2 years. But few months after of having the new lease, I received a letter stating that the 2014 lease was for a 3 year contract. 
I went to the dealer to show them the letter expecting a prompt solution. They suggested me to contact KIA Headquarters. KIA Headquarters said the problem should be fixed at the dealer. A back and forth situation that meanwhile is causing my credit score to be impacted. 
It would have been fair KIA representatives would have let me know about this contradiction when I was turning in the first lease for me to not proceed and to avoid all this trouble. This day, XXXX different people thanked me for my business and for coming back again ( sales manager, sales rep., financing rep., service department rep. ) If this situation would have been of my knowledge or brought to my attention that it was a 3 year contract, I would n't have had return that vehicle until its due date. I would n't have had lease another vehicle. I would n't be writing you this letter at this moment. 
I respectfully ask for your assistance, please.

Company response to consumer: Closed
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: SOUTHWEST credit systems l.p. Is attempting to collect a debt and is not licensed in my state to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (SD).
Issue: Loan modification,collection,foreclosure

Complaint: my wife lost her job I missed a pymt. the mortgager called ask what was going on they said the would give me a Forberance for a year then when the year was up we would do a Loan Mod. as of XXXX of 2015 been putting in apps for a loan mod it takes like almost 3 months per app and I was denied everyone of them! its like they told me it was a done deal that I would get a mod that the only reason I did the forbarence! then in XXXX of 2015 after the last denial, and they do not accept pymts when I 'm trying to get a loan mod!! they Tell me that they were sorry But I was ever even Eligible for a Loan Mod!!!! so now they want {$9500.00} in Full plus what ever other charges they have!! I think this whole thing was wrong what wells fargo did to me!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (NC).
Issue: Managing the loan or lease

Complaint: I discovered that the interest rate on my loan ( 23.12 % ) exceeds the maximum allowed by North Carolina state law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX Bank of America Loan # XXXX When Bank of America was the servicer that told me untrue and incorrect information and then later tried to take my home. This has caused me to lose the 2 % HAMP modification that I previously had. See attachment for details. 
Bank of America clearly misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a series of 4 paid student collection accounts that have been on my Experian credit report for almost 9 years. The accounts have been appropriately removed from the XXXX and XXXX credit reports after the 7year time limit. Both XXXX and XXXX stated that XXXX XXXX XXXX reported that the debts could be removed as they were more than 7 years old. Experian instead changed the date of first delinquency date from XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX so they could still report these accounts. I have copies of my XX/XX/XXXXand XX/XX/XXXX Experian credit report where Experian was correctly reporting the date of first delinquency for the accounts as XX/XX/XXXX and noted that the accounts would be removed in XX/XX/XXXX. When the time can to delete the accounts from credit report, Experian changed the dates so that they could keep reporting outdated collection accounts. I tried to dispute the accounts as being too old to remain on the account but Experian stated that the accounts could not be disputed. The XXXX XXXX XXXX ( the original owners of the collections ) stated that I needed to dispute this with Experian because they had reported the correct information and there was nothing they could do. This has made my only recourse to remove these collections filing a compliant with the CFPB. The accounts in question are as follows XXXX XXXX XXXX/Student LOANS - XXXX - {$4100.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1000.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1300.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$120.00} ( Original Amount ) Note that in the XX/XX/XXXX and XX/XX/XXXX Experian Credit Report ( attached ) shows these accounts as being collectionsXX/XX/XXXX to XX/XX/XXXX. However, in the XX/XX/XXXX Experian Credit Report the accounts have been changed to appear as been collections on in XX/XX/XXXX. This changed initiated by Experian altered the date of first delinquency so the accounts are still being reported

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 02-12-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dynamic XXXX Solutions calls our home is not specific who they want to speak with or what debt they are referencing. They have not sent anything in writing to our address related to any debt of any of our household members. We have been be very attentive toward any debts we do have, so we found this very disturbing. After some on line searching we appeared to be just another victim of a company with long history of questionable activity. They call from a Michigan cell number XXXX and want to call XXXX, not saying who they are calling why they are calling, or to what debt this could possible relate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/ 2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX Auto Finance. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX  Manager ), apologized for this beahvior and the best I know 4 inquiries were removed, but XXXX XXXX, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from Equifax and any other credit companies they may appear with.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian refuses to investigate disputes for XXXX XXXX and bankruptcy on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: My original loan was with Springleaf Financial,  which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan  balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: XXXX & XXXX 2016 Over Limit Reported To XXXX Credits Received Both Times Late If Applied On Time Would'nt Be Over Limit {$100.00} Process In XXXX & {$20.00} 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