milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX did a hard inquiry without my consent. I do n't know who this company is and I have never heard of them. I contacted them and spoke to a foreigner or repeatedly asked for my personal information without finding me in their system. I disconnected the call due to repeated occurrences of asking for my personal information. I have dropped a number on my credit score. I have paid off one bill so far and know it takes awhile to show up. The main issue is this hard inquiry.

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 11/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A past due balance with my vacation company was submitted to Pinnacle Recovery after 30+ days of non-payment. I never received any written notice of what was owed and I was never given the opportunity to dispute their claim. The individual assigned to my " case '' was not helpful. I tried to work with a supervisor and was rebuffed. They will not verify the actual amount owed and will only take care of business over the phone. I am attempting to pay the debt in installments, but they will not allow that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Credit card) with CITIBANK, N.A. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Payday loan debt) with Direct Recovery Services, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a robocall from phone number ( XXXX ) XXXX looking for " XXXX '' and said to call ( XXXX ) XXXX to " find a voluntary resolution since the client has given authorization to rescind the process ''. The message went on to say " settlement options go down to 75 % you may pay online at www.directrecoveryservices.com ''. I called the original number and an XXXX XXXX asked for my name and claimed I took a pay day loan from a company I never heard of ( XXXX XXXX XXXX ) back in 2013 and asked what my intentions are. I told them to send me the information to my mailing address per the Fair Debt Collections Practices Act as I do not recall such loan. XXXX XXXX said " You 're was stalling '' and said they could send it to my email. I said the law states within 5 days of today 's date verification of the debt should be mailed at my home address. XXXX XXXX got flustered, apparently unaware of the law. She then stated " You 're stalling, it 's on your credit report '' several times and said " we have had your account in our office for a long time '' and hung up on me. I called back and then a XXXX XXXX answered and tried to verify my personal information. I told her repeatedly that I do not give my information to people I do n't know. XXXX XXXX claims she needs to verify my personal information per California law. I said I 'm recording this conversation and said that it 's funny, they 're not following Federal law. I notified her I would be reporting them and not to call me back or I will report them further to the FBI. I 've attached a picture of my voicemail proving they called and I also have the recorded conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Settlement process and costs

Complaint: During our closing of our house via a VA Assumption Loan ( # XXXX ) with Navy Federal Credit Union, we the XXXX 's ( sellers ) were misinformed of the meaning of escrow documents. This misinformation was the explanation of why we did not receive the remainder of our escrow upon closing. I have e-mail documentation of this misinformation between our Loan Officer XXXX XXXX as well as NFCU has notes in their system from the calls I made. In addition once we figured through this particular issue, we were informed by XXXX XXXX ( XXXX 's Supervisor ) that we did not have any money in escrow. Upon investigation we discovered that somehow XXXX XXXX XXXX after the XXXX 's ( buyers ) requested a quote sent a request for payment to Navy Federal on XX/XX/XXXX. Even though at the time the account was already paid up in our name, Navy Federal still issued a payment of {$1000.00} from our account. A payment that took our escrow account to a $ XXXX. This was flagged by Navy Federal and a letter was sent to me asking for verification. I called and explained everything on XX/XX/XXXX and was told the payment was a bulk payment and a refund would be requested. Somehow this was not done and now XXXX XXXX does not want to issue a refund unless XXXX XXXX submits a written request. 

So my main issue is and I can not understand how ; 1. XXXX XXXX was even issued this payment without first talking to the members who own the account, 2. How XXXX XXXX is able to not refund money that was not for any active policy or validation of account ; and 3. Why the XXXX 's and XXXX 's as members have to figure out how to fix XXXX Institutions mistakes instead of the XXXX Institutions saying we will take care of it and just informing us of actions taken along the way. 

So, once this payment is finally refunded then we have to battle the fact that it will be refunded back to the Escrow account which due to the assumption loan is now in the XXXX 's name. The Escrow account balance before the payment that XXXX XXXX deducted was {$750.00}, our refund of our XXXX XXXX is $ XXXX some change, which is headed back to the Escrow account. Again do to the assumption loan the escrow account is not in our ( XXXX 's ) name. How do we get this almost {$1300.00} back to us the XXXX 's? The XXXX 's and XXXX 's agree and are openly communicating about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Transworld Systems sent a notice to my husband, in his name, for an alleged debt owed to XXXX XXXX XXXX. My husband has never BEEN to this eyecare place, but I have. I contacted Transworld Systems twice asking that they send me an itemized statement for this alleged debt, which I do n't think I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have repeated requested that they correct incorrect reporting on my credit report. They refuse to fix a reporting error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Billing disputes

Complaint: Two charges were placed on my bill on the same date ( XX/XX/2017 ) for the same amount ( {$100.00} ) from two different companies in Florida -- ( XXXX & XXXX ). Yes, I was in Florida on XX/XX/2017. But I did n't even carry that particular card with me. And I am the sole user on that card. My husband carried all the joint cards with him. I reported this to my local XXXX XXXX Bank on XX/XX/2017, the same day I discovered the information online ( no paper report had come to me yet ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Again, I received a letter from Nationstar Mortgage on XXXX XXXX, XXXX dated XXXX XXXX, XXXX. In the letter they claimed that my HAMP Tier 1 and Tier 2 were declined based on XXXX eligibility requirements. Secondly, they claimed that I did not send them all the documents requested from me, and also I did not send them promptly. These claims are lies and not true. Every time they requested documents I faxed the documents to them ASP same day through the fax number provided in their request letter. I have boxes full of the documents faxed to Nationstar Mortgage. Attached are the XXXX letters I received from Nationstar, XXXX in XXXX XXXX, XXXX, and the other I just received in XXXX XXXX, XXXX. The reasons for the denial of my HAMPs Tier1 and Tier 2 are totally different in both letters. Attached are the XXXX letters. They are not consistent with the reasons for the denial of my HAMPS Tier 1 and Tier 2 modification. Also, attached is the letter I received on XXXX XXXX, XXXX for your perusal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On   X/XX/17     at  XXXX   XXXX  PST, I calle d Capital One  Credit Card fraud dept. to report a fraudulent pending transaction of {$16.00} at FASHION OPTO on my account right after I received a phone alert from Capital One Wallet app. The person who took my call did not immediately reverse the transaction or did anything to stop it. Instead  Capital One  let this fraudulent transaction through to have it posted on my account. Today,    XXXX     , I called the fraud dept. back and was told by the fraud dept. rep that I must wait for  30-90 da ys in order to resolve this transaction.     Why should a victim, like myself, must pay for the transaction first then wait fo r 30-90 da ys whereas  Capital One  fraud dept. could have done something at the moment they got my phone call to prevent the transaction from going through the approval process? How could customers, like myself, trust   Capital One in protecting us from fraudulent activity?
I would like Capital One to quickly resolve this transaction so I can get my money back. I also would like Capital One   management to re-evaluate their process and procedure in investing fraudulent activities to improve and ensure customers ' best interest. Lastly, I want to bring it to other customers attention and awareness so they can be more informed in their decisions should they be interested in using ( or continuing using  ) credit cards issued from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax confirmed that my personal data has been hacked. The only way for me to get a " free '' credit freeze is to sign up for a service that is free for the first year, and then will begin AUTOMATICALLY BILLING me $ XXXX/month after one year. Since it is IMPOSSIBLE to contact anyone at Equifax - I do n't know how I would be able to cancel it after one year ( before incurring charges ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has on my credit report date open from XXXX XXXX on XX/XX/XXXX but first reported on XX/XX/XXXX and 72 months fin but on the other loan that was transferred open XX/XX/XXXX but first reported XX/XX/XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And  how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with Trans Union there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XX/XX/XXXX delinquency 120 days but closed XX/XX/XXXX last payment made XX/XX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.

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 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, without notice, XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on XXXX of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX also failed to notify me that they reported the " delinquency '' to Experian as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with Experian to dispute the mark, I found it ridiculous that I had to clean up XXXX 's mess. This should be XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX straight.

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 09-02-2017 about Debt collection (Other debt) with ResidentCollect, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I disputed a debt on my credit report with Resident Collection for {$1200.00} with an open date XXXX XXXX, 2014 and it was deleted out of my XXXX credit file because the debt was n't mine well the company quickly put it back on my credit report using a different name but the same address the new name is Innovative Recovery Inc and they placed it in my XXXX credit report without notifying me of rights to dispute the debt before placing it in my credit file! They did n't give me a chance to dispute the debt or notice to dispute. Matter of fact I did n't know of this company until saw it on my credit report. It 's not my debt and they ca n't verify that it is so they are playing games by trying to use 2 different names with the same business address It was deleted from my XXXX credit file because it was n't my debt! I contacted the apartments from where the debt was supposedly originated and they said they have no record of me owning this debt and they fax a letter to verify that I did n't owe them anything at the time! So I do n't know how this collection is claiming I owe and the original creditor is saying I do n't!!! 
They are violating all kind of FCRA laws with these shenanigans! I want to explore the possibility of a class action lawsuit against them!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit bureau it shows XXXX XXXX XXXX XXXX. It has the open date balance, last paid. I had insurance at the time of whatever procedure was done, the balance was {$31.00} if I owed this I would have paid it. I have tried to contact the company and you can not even leave a message. This was on Experian. I am going to dispute it with Experian, but I think that the person who put it on should be able to be contacted.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capio Partners, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed this debt twice on my credit report, to my knowledge. This collection company states that this debt is from a hospital in Florida- XXXX XXXX XXXX , located in XXXX , Florida . I do not recall ever going to XXXX XXXX in XXXX and I did not live in Florida in XXXX of XXXX, which is reported on my credit report. Capio Partners has listed this debt as opened in XXXX of XXXX for Credit Limit/Original Amount : {$1700.00}. Credit bureaus have certified this information as true but I have never received any documentation that this is my debt. I have received no phone call, no letters- no documentation at all that this debt belongs to me. This violated the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (KY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My credit card information from American Express was stolen in XXXX XXXX. I resolved the issue through the legal department of AE. They redacted all bad credit reports, admitted it was fraud and covered it under my fraud insurance and said it was resolved. 

Since that time I have had 5-10 phone calls every day from collection agencies. Anything from messages telling me " the police were coming for me for not paying my bills '' to the " IRS is going to put a lein on my wages. '' I have told the people who call to leave me alone and stop calling. I have texted them. I continue to block the phone calls but it is not stopping. They are harassing me and I would hope you could help me stop the harassment. Enough is enough. 

Some of the phone numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and about 200 more numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX or Allied continued to report an open collection with them from XXXX. This collection had been moved from them by XXXX back in XX/XX/2016 and they were still reporting to my credit as of XX/XX/2016. When I notified them they refused to provide me with documentation from them stating that it was still being reported by them to the credit bureaus erroneously. Even after I informed them that this error on their part was jeopardizing my job.

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