milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 07-07-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: From XXXX, XXXX to XXXX, XXXX I acquired private student loans from Citibank Student Loans. The promissory notes for those loans state that the loans are variable interest rate loans. 

The interest is to be calculated, according to my promissory notes, as so ; " The 'Variable Rate ' for each Loan made under the Note is the sum of the Prime Rate published in The XXXX XXXX XXXX under the 'Money Rates ' section for the day which is 30 days prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of each year ( the 'Index ' ) plus or minus the percentage, as identified on the applicable Conditional Approval Letter that I received in connection with the Loan ... '' The note goes on to say, " The Variable Rate will change quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of each year. '' Here is the problem. XX/XX/XXXX the Prime Rate ranged from 7.5 % to 8.25 %. However, the Prime Rate, in accordance with the XXXX as outlined in my Notes, plummeted to 3.25 % in XXXX, XXXX and has held at that rate until XXXX, XXXX. My interest rates on my loans were never adjusted quarterly, as outlined in my Notes, resulting in some cases where I was paying TRIPLE the interest that I was legally supposed to. 

My loan providers did not follow the language of our contract and I have overpaid a tremendous amount in interest due to this mistake.

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 07/25/2017 about Debt collection (Medical debt) with AR Resources, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, I contact AR Resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ) to request documentation regarding two charges they posted to XXXX, XXXX, and XXXX. I did, however, provide the XXXX account numbers appearing my credit report, and the agent stopped me after the XXXX digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names. I also informed them that the debt was covered under a Letter of Protection accepted by the original creditor, and I am in constant communication with my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me. Additionally, health insurance was provided at my initial visit to the actual creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ). Neither XXXX, or AR Resources attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in XXXX, but they are falsely indicating that the account open date is XX/XX/XXXX. Furthermore, my attorney XXXX XXXX, has informed me that XXXX has hired debt collectors to go after a number of his active clients and he has personally reached out to them and asked that they cease debt collections, as per the letter of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Interest rates are too high and affecting my credit score School provided me with no information that my loan was even sold to navient.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been a victim of identity theft, Police report has been submitted it to the Creditor that includes their account Bank Of America they said that the account was verified, How? just by assuming that my name is the same and the address match their records. Therefore is mine, I am not denying that the account is mine, Identity Theft Victims when accounts are hacked the perpetrator uses the person identity to identify that they are the actual account holders. when they are not, this is what Identity Theft is all about. ON XXXX XXXX, XXXX I wrote a letter to the Bank Of America requesting the information you will see in my attach letter asking for copies of the charges slips with my signature on it, their investigation report to verify if in fact the signature match my own signature. I mean what is wrong to ask for, a very important information However Bank Of America have denied such right, but YES they can verify me by only saying that the name and the address match their records of course it will match their records does the thieve will say I used this account on XXXX XXXX behalf. That is why I need to verify my Signatures on every transaction it was done on this Credit Card. if they do n't have that information them the account is NOT verifiable. in my letter I am stating dated XX/XX/XXXX that the Law directs to provide with the documents requested at no charge without requiring subpoena within 30 days if in 30 days they fail to respond the account should be Remove/Deleted from the XXXX major Credit Bureaus Company 's because, they fail to Provide me with documents requested I have never received only a letter from Bank Of America stating that the account is mine, therefore now I am asking you to use the Provisions and Regulations under the Fair Credit Act to request Bank Of America to Remove/Delete this account, because it 's being reported it every month to the Credit Bureaus that the account it is Closed but is over the limit when the account is closed, also being reported it as being Late when is closed, on top there is a violation of statute of limitations because according to their records the last payment they received was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX is about 6 years old. In the State of California states that either Verbal or written Contracts if they are over 4 years are not collectable.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Today XXXX I found out that Equifax info was stolen over a month ago and they are just now telling consumers. It is unacceptable that Equifax waited for over a month before notifying the public that this happened. 

I followed the link provided by Equifax and by submitting my info, found out that yes, my info was potentially exposed. Equifax told me to return to the website on XXXX to provide more info. They also told me to remember that date, because they would not be sending me any reminders. 

My complaint is this. 
1 ) why is the onus on me the consumer to look up and see if I am affected? They already know who is affected and they should act on that info 2 ) now that I know I 'm affected, why do I have to initiate anything? They should automatically turn on whatever free credit monitoring service that are offering 3 ) why do I the consumer have to remember to go back to their website to complete the process? 

All of this should be taken care of by them, Equifax, without me having to ask, without me having to remember, without me having to complete a multi part process. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Monterey Financial Services LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent a letter  to Monterey Financial with a restrictive endorsement. this endorsement that was included with a letter that stated the same was if they  cased the check the account is considered paid in full and shall be removed from all credit bureaus, company has failed to remove and continuing to bill me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX XXXX to learn how you can request your free XXXX credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with XXXX who said the site should allow me access to obtain my free credit report. I live in XXXX, am a XXXX citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no XXXX mail service in XXXX. We are moving back to XXXX in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with BANKERS MORTGAGE LENDING, INC. (FL).
Issue: Closing on a mortgage

Complaint: This complaint is about Bankers Mortgage Lending Inc. who are involved in unfair lending practices. We bought a new construction home from XXXX XXXX in XX/XX/XXXX. The lender approved our mortgage based on unimproved property taxes and no CDD fee. They estimated our taxes to be XXXX and they are over XXXX. When we paid our taxes in XX/XX/XXXX our escrow account was short XXXX and our payment is set to increase by over XXXX/month. We are not alone. In speaking with numerous neighbors with XXXX XXXX financed by this lender they too were short and payments have skyrocketed. In one case he has an increase of XXXX/ month. None of us were informed by the lender or XXXX XXXX that our payments would be going up. Seeing as they are the preferred lender for XXXX XXXX they have done numerous mortgages here in XXXX county, it is implausible that they did not have a better idea as to what the tax rates should be. I believe this was done purposely in order to have buyers qualify for higher mortgages and to help sell more houses for XXXX. Numerous people are now having to refinance or sell their homes because they can't afford the payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my ex wife. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected

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 08-11-2015 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have several accounts that are fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this fake information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX, XX/XX/XXXX, and through current date XXXX XXXX, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting XXXX XXXX the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by XXXX XXXX. As of today, XXXX XXXX, 2016, FCO has failed to forward validation documents of this alleged debt. to me. 
Since I am disputing the amount of charges that Fair Collection and Outsourcing Debt Collection Company is reporting to the ( XXXX, XXXX, and XXXX ) credit bureau they are required to provide validation however they are willfully failing to comply which may violate my rights according to the FDCPA, Federal Trade Commission 15 U.S. Code 1692g section 809. Validation of debts. FCO has failed to provide adequate validation of this debt and has not responded to written request to validate this alleged debt for alleged debt account # XXXX. I requested FCO to provide to me, an itemized monthly so that I could see exactly what charges are being applied by the apartment complex in addition to my signature and social security number on documents and a signed lease agreement that proves that I had an actual move in date. 

I am attaching copies of the certified mail tracking numbers along with copies of the email correspondence as proof of your receipt of these written requests, and to repeat, to this day I have not received validation response. I have also included a copy of the only response provided which simply a statement is of counter offer to my original request and does not provide adequate proof of this alleged debt.

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 09/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting an item on my credit report incorrectly XXXX XXXX was a car loan I had over 7 years ago that was included in my Chapter XXXX Bankruptcy. At first Equifax was reporting it correctly in XXXX as included into the bankruptcy then when I disputed that the statuary limits had ran out. They took it out of Bankruptcy and just have it on my credit file as an delinquent item. 
1. I want to file a harassment lawsuit against them I presenting case after case on them with the proof and the more it looks like that they are putting errors on my account purposely instead of removing items that they know are n't mines and have legitimate reasons behind it. 
2. The statuary limit has ran out on this account. 
3. They took it from out of bankruptcy and legally I do n't have to pay anything back on this account

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Perfection Collection (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Perfection collection with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (TX).
Issue: Account opening, closing, or management

Complaint: Out of no where JCPenney has lowered my credit this is the second time happened and I been with JCP for over 3 years. At first I started with XXXX dollar credit then it it increased up to XXXX and then up to XXXX and few months ago up to now supposed to be XXXX. I Called and asked and was told it was a random audit then spooked to the Supervisor who said it was something on my credit that is why Synchrony Bank determined this. Next I spoke with the MOD who said sorry there is nothing can do for you I am the highest person you can talk to and I am going to know disconnect the call. 
I have always made my payments on time and gone above and beyond monthly payment amounts and keeping account in good status. As with my credit since I was approved for the last XXXX have not made any changes to my credit report and feel they should not base out credit history with out side sources when I been clearly a good, faithful and loyal member to jcp and to now treat me this way am no longer happy with the company.

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 11/17/2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I recently began getting my wages garnished by XXXX XXXX XXXX who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.

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 08/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: More than one year ago I disputed an item on my credit report through Equifax - XXXX XXXX # XXXX. The dispute was never resolved and a notation on my report has said for quite some time, " ACCT IN DISPUTE ; RESOLUTION PENDING '' The Fair Credit Reporting Act requires all disputes to be resolved within 30 days. Equifax has been harming my credit by not resolving this dispute.

Company response to consumer: Closed with explanation