milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian Has been notified and provided documents proving that the collection is invalid, and that XXXX, has not perfected the Collection, and that XXXX is reporting Improper and Inaccurate information as well. 

XXXX has been sent multiple certified mailings, and has failed to address ANY of them, and/or to provide verification of the debt. 

The " supposed '' debt was paid in a settlement agreement on my behalf by XXXX, and in addition XXXX is representing the debt as being in XXXX, when indeed the Last Delinquent Payment Period was XXXX XXXX. 

The debt was paid, and in addition the Statue of Limitations expired on this account as well, being it is WAY past the one year legal requirement for Federal and State of Florida, AND the credit card debt is greater than 7 years as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Io, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Receivables Management Systems in   XXXX  . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability A  ct ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and me  dical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please note that withholding the information you received from any medical provider in an attempt to b  e HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to a  llowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested 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 explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I requested to go into forbearance but I was told I was n't eligble, I tried to pay the loan off and I was told I could n't pay the loan off that I needed to keep making payments. I asked Navient if I could get lower payments due to financial hardship and I was denied lower payments. Navient would n't work with me and it 's not affordable for me to pay, then because I was denied the opportunity to pay it off the interest is increasing on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with The CBE Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Pulled my credit report and disputed with all 3 credit reporting agencies a collection debt from CBE fir XXXX XXXX XXXX in the amount of {$160.00}. Ive paid XXXX XXXX a deposit of {$200.00} plus dollars and an insurance premium. As a consumer I have the right to cancel and shop cheaper auto insurance rates and change auto insurance if Im unhappy with company yet theyve sold my information to a debt collector this is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with Commerce Home Mortgage, Inc (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Commerce Home mortgage wholesale approved a Home loan ( from the underwriter XXXX ) for me. 

The account representative XXXX XXXX intervened and decided that he did not like the loan based on his personal reasons. And he declined it. He is not the underwriter. 

Multiple times the loan was approved. The title company was notified. 

I have lost the deposit of {$5000.00}. 
Reports {$1000.00} Appraisals {$800.00} I have had a home owners policy in force as a condition that was cleared since XX/XX/XXXX. 

There is no longer any communication with XXXX XXXX. The owners at commerce mortgage will not respond to any inquiries. 

XXXX reviews confirm this is more common than not with this organization. 

They put forth I had a loan. I did not seek any other advice due to their commitment. 

I am now outside of closing dates. No one in the UNITED STATES OF AMERICA should be treated like this group does to citizens.

Company response to consumer: Untimely response
Consumer complaint received 07-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: Chase Bank has put on my credit report that I had a foreclosure on a property I owned in Florida. This loan was a short sale loan. The loan was a negative am loan underXXXX and Chase Aprroved the short sale. I need them to update my credit report to reflect late pay and paid as agreed, short sale specifically on the experian, it states XXXX. I am applying for a mortgage and all of the copanies are stating that I have a Foreclosure with Chase because of the XXXX. The other XXXX are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage through Carrington Mortgage company for several years. In 2015, I elected to refinance to take advantage of a lower interest rate and that is when my problems started. They refinanced my loan but when they did, they paid my insurance company twice. I did n't catch the error until much later ( when my insurance company issued me a refund check ). When I called the company, they had no idea why my escrow account was short so I was n't sure if that was what actually happened. I agreed to pay additional money so that my escrow could be caught up. Now, this year, it is showing short again by XXXX dollars. When I called them, they admitted they had paid my insurance company twice but when I called my insurance company, they are only showing where it has been paid once. I need to know how to handle this. I ca n't afford to pay more money. Can I make them send me copies of the checks where they disbursed the funds? Please advise. Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Credit card) with Halsted Financial Services, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested.     Now, I see no less than  XXXX    OneMain Financial hard inquiries on my  XXXX  credit report alone.
Frankly, I did n't even authorize the type of applicati  on they ran the first time, let alone  XXXX  more times.      XXXX  claimed it was only able to remove  XXXX  of these inquiries and suggested I contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, my wife and I asked Trans Union to investigate mistakes on our credit report. My wife received her response in a timely manner, but I have yet to receive my response. We have sent follow-up letters to Trans Union, but we have yet to get an explanation on why my wife received a completed investigation, but they have been unable to provide one for me. The request was made at the same time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   XXXX   XXXX   I arrived at the Chase Branch located at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  NY  XXXX  to Withdraw a  XXXX  dollars from my  XXXX  checking account. I proceeded to make my withdraw at  XXXX , and the ATM registered my withdrawal of a {$100.00} dollars plus {$3.00} charge but it did not dispersed my cash. I then went inside and tried one of the atm and I withdrew the {$100.00} at  XXXX . This time the atm dispersed my cash. However now I am missing {$100.00} dollars from my  XXXX  checking account. My  XXXX  statement shows the withdrawal of {$100.00} twice which is not accurate. Please help me with this issue that is very important to me. I am very disappointed with the service that Chase provides to the public. That 's the reason I am filing this complaint. Thanks very much for your assistance.  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pulled credit report XXXX/XXXX/15. Sent validation request of XXXX medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Someone authorized herself as an extension user of my discover card and she change my address on file, email and phone number so I wont know but I found it out too. From  XXXX   XXXX  to  XXXX   XXXX ,    2016  she spent like {$5900.00} in a short time.  Discover card determined that there is no fraud in the accout. Im complaining the Discover car d. The same person also open a a  XXXX  CC last  XXXX  and steal all my info but the  XXXX  Cc accept the dispute right away because it 's clear to them that it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Shopping for a loan or lease

Complaint: I had a Capitalone auto loan back in XXXX. During some rough personal issues i had to make several payments late. However after i recovered loan was closed and satisfied in XXXX. 
Capital one has been reporting to all XXXX credit bureaus the history of my payments. 
I have reached out to them several times as well as disputed with the credit bureas. Capital one states they can report my history up to XXXX yrs and ill not remove. 
I need help. This has hurt my credit report for yrs. I pay my bills on time. Because they wont remove my credit score is down XXXX points and shows i have more than 1 car loan. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with Holloway Credit Solutions (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a letter from Holloway Credit Solutions stating that if I do not respond, my credit may be impacted negatively. I am not involved account number they are collecting. 

I do not appreciate them contacting me and then threatening me on top of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Credit line increase/decrease

Complaint: I have XXXX Chase credit cards. Most I have held and used for over 12 years. I have always made my payments and have never been late on any card. Just recently, I paid XXXX of my accounts to zero. I occasionally use my cards for tuition or vacation ( large purchases ) and pay them down. Unknown to me, they did an account review and dropped my credit card limits from $ XXXX to {$1000.00} and {$2000.00}. My goal when I paid the cards off this time was to improve my credit score. I understand that when you have a card, the credit agencies calculate your balance to the credit limit. By reducing my credit limit, Chase could cause my credit score to go down! If I were a problem client, missed payments, misused my credit - I could see this action. Their reasoning is that they think I have too much other outstanding credit. On my other cards, I utilized balance transfers because they have a much lower interest rate than most cards. On ALL of my credit - mortgages, car loans, credit lines, etc. - I have not had a late payment EVER! I have shown that I have consistently ( 20 plus years ) been able to manage my credit. I feel that Chase is harming me as a consumer by lowering my credit limits by potentially affecting my credit score. They have no financial reason to make this decision. I always make my payments and my cash flow is more than sufficient to carry the debt load that I have. I feel that I am being penalized by Chase. If my credit score goes down by this action, they could cause my other credit cards to increase their interest rates and cost me substantially more money. My income is $ XXXX and my debt ratio is 36 %. The income does not even include my husband 's income, which is close to $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have  two  consolidation loans with navient. I have been paying for  25plus ye ars. I did not authorize my student loans to be consolidated and yet they were in  XXXX . They are done in  XXXX . However, I have paid over twice the loan amount originally in interest when I could have been done with my loans years ago. I have tried to reach navient and can not get a person to answer a phone call. This is not right or fair.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I attemeted to cash a check in my account given to me from my dad who has the same name and also had bank of america aswell. later my acouunt was closed as " fraud ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, XX/XX/2016, I printed my free credit report from Experian. Going through the report under the section ( other personal information associated with your credit, social security number variations ). There is a social security number that is not mine. It does not belong to any member of my immediate family. I need it removed and all credit reporting information associated with this social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX , formerly  XXXX   XXXX  refuses to work with customers regarding options to repay private student loans when there is financial hardship. They require payment for forbearance, which is only for a 3 month period. When having difficulties paying loans, I attempted to provide a small payment, i.e. my outstanding balance was {$420.00} and I paid approximately {$150.00} in  XXXX , as I could not afford the payment and no other options were made available to me.  XXXX  calls my personal cell phone multiple times daily in order to make financial arrangements. I have received  XXXX  calls per day almost every day from them ; I believe this qualifies as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't.

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 06-09-2015 about Debt collection (Credit card) with Capital Management Services, LP (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector called my employer stating that I owed a debt and they were trying to reach me. The last time, they were told not to contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, Atlanticus Services on XXXX/XXXX/XXXX and so 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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, EXPERIAN and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and EXPERIAN.

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 07/27/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I received a promotional email informing me I would receive bonus points if I used automatic debit/credits and online bill pay. The points owed for the bill pay were never applied. A visit to a branch was unable to resolve this and I had to get on the phone. The representative informed me I was ineligible on a technicality that was not outlined anywhere in the promotion. I submitted the email promotion and email with support on the topic both of which substantiate what steps I needed to take to be eligible. After 11 days I emailed back to request a status update. The next day I called again and was told it would be another XXXX3 business days before I receive a response. The points were due over a months ago.

Company response to consumer: Closed with explanation