milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NC,  XXXX  SSN : -- -- --  XXXX  Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your   failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     XXXX   XXXX   XXXX    /  XXXX     XXXX   XXXX   XXXX   XXXX  /   XXXX    XXXX   XXXX   XXXX      XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX      XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX   XXXX   .

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Balance transfer

Complaint: I applied for a {$2000.00} balance transfer convenience chek on XXXX/XXXX/2015 which was approved for XXXX months at 0 % APR and 3 % balance transfer fee. The balance transfer and balance transfer fee posted to my account on XXXX/XXXX/2015 and monthly statement was issued the same day with them in it. 

However, I have not received the {$2000.00} check yet and Capital One says the 0 % APR period will expire in the statement ending on XXXX/XXXX/2015. This will give les than 12 months of 0 % APR, less than what was advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Others in Ohio or IA state and in California state frauded using XXXX fraud scams frauding a XXXX truck or car ECT frauding auto insurance policy and auto Manuels. 

I had worked for a XXXX auto store in XXXX in 1986 time frame.. 

Then all those banking locations in California and Ohio or IA used Autos for sports and sports players accounts and stadium building permits I was always turn down for loans and credit cards and Indiana State is largest steel manufacturer zone for the USA which also build stuff for USA automotive industry as states copied me and my documents and denied me stuff

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Installment loan) with Risecredit, LLC (TX).
Issue: Shopping for a loan or lease

Complaint: Rise Credit XXXX has put XXXX hard inquiries on my credit report. Firstly, this is more than anticipated, and secondly, I was under the impression that these would be soft pulls - the excessive hard pulls are having a huge impact on my credit score and are keeping me from refinancing my home. Please assist me in removing these.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I had the original loan in XX/XX/XXXXwhen I was XXXX years old. The exact amount I am not sure, but I did pay for awhile and then it went into Forbearance due to hard financial issues. In XXXX I guess they consolidated and the balance was {$8100.00}. I have been paying {$94.00} with 6.125 % interest since then. As of today, I still owe {$7800.00} and will not be done with the loan until XXXX. I think the fees are extremely ridiculous! I know I am responsible for some back due interest, but I was told that the {$8100.00} was where I was starting in XX/XX/XXXXand so when I do the math, I have paid over {$13000.00}. I think they are adding fees. I am now XXXX years old and can not believe I still have student loans. 
The loan details I have at attached are with my maiden name. I am in the process of getting that changed. Thank you for your time. 
The school I went to was XXXX XXXX XXXX XXXX XXXX in XXXX Id. They are no longer around.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: After a lengthy investigation I have discovered that Experian has been charging me for monthly credit monitoring services sense XXXX of 2012. They have fraudulently obtained different card numbers in my name from XXXX in order to continue to charge me over the years. I have contacted them in the past about this and every time they claim they have no account in my name.

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

Complaint: Equifax is one of the three main credit reporting bureaus in the United States, maintaining a database on millions of individuals. On XX/XX/XXXX, Equifax announced a security breach comprising of personally identifying information ( PII ) of approximately 143 million individuals. According to their statement, they learned of the breach on XX/XX/XXXX. According to their website set up in response to the breach, I and my wife are two of the millions of affected individuals.
I am particularly incensed by three things : 1 ) A business relationship with Equifax is not optional in modern society. If you have ever paid a utility bill, or had a bank account, or applied for a job, Equifax likely has some information about you. Given that they are inescapable, they should be held to high standards that they clearly failed to meet. 

2 ) That no notification was made by the company for 40 days after the breach was notified. Identity theft does not take 40 days to happen, and neither should notifications of a failure of this magnitude. 

3 ) Equifax 's security measures are clearly lacking, both in allowing this breach of the public trust and millions of people 's PII, but also in the hastily constructed websites in responses to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow up complaint to Nationstar Mortgage. They have responded to my complaint about my escrow account being used exclusively for property taxes. They claimed that they had " inadvertently, '' pulled money out for insurance back in XXXX. The truth of the matter is than when Escrow Analysis was done in XXXX of 2016, they INCREASED my monthly payment to account for the insurance. They have responded by asking my to " re-fund, '' the money erroneously sent to XXXX XXXX, where my argument is that money should have never been sent in the first place and my payments should n't have increased by {$45.00} in XXXX to account for the insurance. This is wrong and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, such as creditors of XXXX Card ) is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF IN XXXX OF 2011 ). The collection agency are still reporting payments as late and the account is close and charge off. I am requesting that the item be deleted ( or request another specific change ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # XXXX, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (PA).
Issue: Problems when you are unable to pay

Complaint: I started monitoring my credit and notice that this company American Credit Acceptane ( which I did not not regonize, because my auto loan was with XXXX XXXX, which I now know is affiliated with American Credit Acceptance ) was reporting on my credit monthing stating that I owed an outrageous amount of money for a repossession that happened on XXXX/XXXX/XXXX which was also charged off, but before they charged the debt off for the XXXX Ford Excursion it was sold at aution to get whatever they could get for the vehicle. I received a letter from the company telling me what they sold the truck for. Now I am filing a complaint because today XXXX/XXXX/XXXX I called American Credit Acceptance and I first spoke to a rep named XXXX and explained that I sent a certified letter to theme and it was signed for XXXX/XXXX/XXXX by XXXX XXXX asking for documentation under FDCPA asked for records so that I could compare to my records because this company was reporting an outrageous debt amount, and that under FDCPA that the company was in violation. She replied we have no records, I said I would be filing complaints with the Consumer Financial Protection Bureau for non compliance-XXXX- The Attorney General, I said I wanted this account deleted due to non compliance of section 809 of FDCPA. She placed me on hold I was told that the manager a guy by the name of XXXX would call me by XXXX. I received at call at XXXX from XXXX who may I add was very nice but in a rush telling me that he was unsure of what is going on, so I explained everything that is mentioned above, and that I wanted account statements ( he said he could not get because XXXX in the dispute department was not there at the time but he will try to get the statements. I 'm baffled so how are you reporting inaccurate information ) next he said I can get you the original signed contract along wit Payment history out in the mail to me tomorrow when he comes into work. I said how is that telling me the balance I owe? Where is the letter stating how much the truck was sold at auction for? I wanted to compare records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I received a letter in the mail from a collections agency regarding a past due amount of XXXX on my Macy 's account serviced by Department Stores National Bank. Upon review of my previous statements by loging in online I saw that my last purchase was in XX/XX/XXXX. At this time I called Macy 's customer service department to determine why I had not received any bills or notices of a delinquent account. I was told I was signed up for paperless billing and that my e-bill 's had been sent but rejected by my email. Every subsequent bill was therefore sent to this same email and was also not received. So after 6 months of being past due, with late fees and interest incurring, my bill was sent to a collection agency. I continued to receive coupons in the mail as well as coupons in my email but not bills. Not once did I receive any written communication in the mail, a bill in the mail or a phone call. I was told by the customer service agent that I would now have to settle the debt with the collection agency.

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 09/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Complaint : Nationstar Mortgage Loan # XXXX Complaint Date Filed : XXXX XXXX, 2016, XXXX XXXX On Wednesday, XXXX XXXX, 2016, I received a letter from Nationstar Mortgage. The letter ( see attached ), dated XXXX XXXX, 2016, informed me of an updated Dedicated Loan Specialist to assist me. The name of the updated Dedicated Loan Specialist, XXXX XXXX. 

I have been working with XXXX XXXX since XXXX XXXX, 2016. Call and E-mail communication from XXXX XXXX, 2016, sent to XXXXXXXXXXXX : Follow up to my call and message I left on Friday, XXXX XXXX, 2016, XXXX Hello XXXX XXXX As per XXXX, Customer Relations Specialist, letter dated XXXX XXXX, 2016, CFPB Case Number XXXX, you are my Single Point of Contact. 
Please E-mail me detailed instructions for all needed paperwork for loan modification assistance, all documentation needed XXXX. 
Thank you! 

What does this letter mean? 
Why am I being informed of an " updated '' Dedicated Loan Specialist, when I have been working with such " specialist '' since XXXX? 
What is happening to my previously submitted documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Hello,

Professional Account ManagementXXXX is repeatadly contacting me threateaning to file a report with the Credit Reporting agencies despite the fact that I provided them with a written notice disputing the validity of the debt withing 30 days of original notice.

Their Acct # for me is XXXX
Their phone # 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 03-11-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I received a letter from CitiMortgage stating The Making Home Affordable Program recently announced an expansion of borrower " pay for Performance '' incentives for eligible loans. I met all the qualifications and received the {$5000.00} which was applied to the principle. This {$5000.00} would have reduced my mortgage by $ XXXX monthly. The form to accept this offer required my signature only ( see attached ) Received my monthly statement from CitiMortgage for {$2000.00} instead of {$1900.00} ( recast ) incentive the paper work I received and phone contact from CitiMortgage all indicated I received the recast and was approved. Called CitiMortage was assigned to XXXX XXXX. XXXX XXXX # # XXXX EXT # XXXX. She stated only I had to accept the offer but all must sign the RECAST paperwork, if stands to reason IF ALL MUST SIGN TO RECEIVE THE REDUCTION IN THE MORTGAGE " ALL MUST SIGN TO ACCEPT THE OFFER AS WELL. I feel like a VICTIM OF A BAIT & SWITCH SCHEME. Please help me Im XXXX on a fixed income. $ XXXX monthly may not seem a lot to some but it is to me.

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 01-03-2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Billing disputes

Complaint: I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a letter to Experian XX/XX/2017 disputing credit report. I recieved a canned letter response that refused to investigate any of the XXXX accounts that I was disputing. The letter stated that I had disputed this items previously. Which is not correct for Experian. My credit score with XXXX is XXXX Experian is reporting XXXX with the difference being what was disputed. If in fact I did it would have been only XXXX items ( XXXX and XXXX ) on the list the others are new. I have evidence that I paid XXXX on time and additionally paid them in full and submitted that information. I have proof that I have been fighting XXXX for inaccurate billing since day 1 the billing was produced. XXXX advised that I had to make a dispute with the credit bureau and they would update. It appears that no one took my notice of dispute seriously nor did they want to investigate and made the decision to dismiss it with a canned letter and false claims which should be against the law they claim they serve and ignoring the Fair Credit Reporting Act. It appears they whoever sent the letter did not want to do the work to send disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Private student loan debt) with National Collection Systems, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection agency : National Credit Management XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX XXXX Partial Acct # XXXX School : XXXX XXXX XXXX College of XXXX XXXX State University XXXX XXXX XXXX XXXX, AZ XXXX Phone number : ( XXXX ) XXXX Amount owed : {$2700.00} The school falsely advertised the price of the degree plan and the course in following manner. ( 1 ) XXXX State University failed to advise me that there was a difference in price for out of state tuition for the program that doubled the amount of the class cost. When I advised the school ( contact name XXXX XXXX ) of their representative ( XXXX XXXX, Enrollment Coach ) tactics, they dismissed my concerns with no review or investigation into my allegations. ( 2 ) the school nor the collection company never notified me in a timely manner that owed in monies to the school. As such I was not given the opportunity to pay it off timely and in good faith. The balance was paid as should have ; however, I do not feel that this should be on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a condominium in XXXX, IL in XXXX XXXX. The unit was my primary residence for a while, but later became a rental property. I have a fixed-rate 30 year mortgage through Wells Fargo on this property - Wells Fargo sold the loan to another company, XXXX ( XXXX ), on XXXX XXXX, XXXX. I had made a web payment of {$1000.00} on XXXX XXXX that basically did not get applied to my loan balance before the sale of the loan. I started to discuss the problem with XXXX XXXX ( as soon as I got the statement indicating a missing payment ) ; after four months of investigating the matter, they claimed it was Wells Fargo 's fault, that Wells Fargo never wired over that money, and suggested I talk to my bank ( who could really do nothing ). I spoke with Wells Fargo, who initially admitted it looked like they did n't apply the payment to my account before the loan sold. I got a proof of payment letter from my bank ( XXXX XXXX XXXX ) and sent it to Wells Fargo so that they could investigate. Then they did some investigation and started pointing the finger at XXXX in XXXX. 

I had brought my account current with XXXX in early XXXX to avoid any credit issues, so I am basically out {$1000.00}. Wells Fargo verbally told me they 'd make me whole if they could n't get to the bottom of it, but when I 've called the last several weeks looking for an update they ' have been unresponsive. I have not had a status update on the matter since XXXX. I want my {$1000.00} payment to be refunded to me directly if possible, or applied to my mortgage balance.

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 04/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ARVEST BANK GROUP, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX XXXX XXXX state for the record that I am being discriminated against by the mortgage servicer of my mortgage Central Mortgage Company, whereas they have refused to acknowledge a full modification package submitted through a third party XXXX XXXX, XXXX. I have been harassed with threatening calls during the modification process directly from the mortgage servicer. No communication has been extended to any additional documentation necessary to complete my modification. I simply request a restart of the 120 day timeline where Central Mortgage Company must cease and desist on sending any threatening notices while the modification is being completed. The Fair Debt Collection Practices Act has been amended to give consumers rights during a modification process. My rights are being violated. I am a veteran XXXX. I demand a full review of my rights violations by Central Mortgage Company immediately.

Company response to consumer: Closed with explanation