milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir or Madam, It has been a struggle to remove this fraudulent inquiry from Capital One/Saks 5th Ave. On XX/XX/XXXX, I received an alert from hard Inquiry from Saks 5th/Capital One. I never applied to Saks. I called customer service and the rep stated " thank you for bringing it to our attention, we will get back to you ''. It 's been a few weeks and nothing. I need this fraudulent inquiry removed asap. <P/>Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have notifed portfolio recovery that I am not liable for a Balance of {$3900.00} that is being reported to XXXX, XXXX, and XXXX. portfolio recovery has failed to provide Validation of the debt, that proves that I have a signed contract with them. I notified them that I have exempt funds in the form or Social security Benefits and XXXX Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that portfolio recovery discontinue collection efforts and delete all accounts that are being reported to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My issue is related to the credit  or   XXXX   XXXX  l.
I have notified   XXXX   XXXX   in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by   XXXX   XXXX  .
I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and   XXXX   XXXX   has n't provided me with anything. Please help!

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 10/28/2017 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (VA).
Issue: Trouble during payment process

Complaint: I have tried to make the payments on line but, I am behind on my payments and they will only let me fill out a form for hardship. If I call then there will be a fee for calling in to make the payment.I have not filed bankruptcy and would like to keep up on things when i fall behind

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: remove inaccurate infomation violates my rights ....

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 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX Acct # : XXXX - NOT MINE, No proof of debt XXXX Acct # : XXXX No Proof of debt XXXX XXXX XXXX, XXXX Acct # XXXX -NOT MINE, No proof of debt since XXXX Acct # XXXX NOT MINE, No proof of debt UNIVERSITY XXXX Acct # XXXX NOT MINE, No proof of debt XXXX Acct # XXXX NOT MINE, No proof of debt INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX not accurate not my address XXXX XXXX XXXX XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise Name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (ME).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Two years ago I used the Care Credit Card for XXXX work of just over {$2000.00}. I have spent close to XXXX to pay off {$2000.00} bill. The current interest charge for one month is over {$800.00}, when the amount left to pay off was {$750.00}. I am unable to pay off this debt and can not make sense of how this card works and how it would be helpful to anyone. This has been a horrible experience and I thought it needs to be shared with other. Care Credit needs to be stopped. It states that you may have 29 % interest rate, but I am being charged {$800.00} in interest in one month on a bill that was {$750.00}. That is not 29 % interest.

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 09/14/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, A subscriber to Equifax, XXXX or XXXX Loan Servicing, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX ( XXXX XXXX XXXX v. XXXX, et al.XXXX, XXXX New Hampshire XXXX, No. XXXX, and XXXX v. XXXX ). 

I ask Equifax that the inaccurate information be removed as their subscriber has failed to respond. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Accurate Background (CA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: On background check and credit report I have address that I have never been to. I have never lived at that specific address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX ER visit to XXXX XXXX ER XXXX. Insurance filed incorrectly, so processed out of network. XXXX XXXX XXXX  ER failed to send the additional medical records requested by my insurance company. XXXX XXXX turned over to AMCOL collection agency and XXXX XXXX XXXX filed bankruptcy. I never received notice of debit. I discovered it on my credit report when I applied for a home loan. The collection agency is offering to settle for XXXX, but no less. I have asked them to provide me this in writing, which I still believe is unfair and had XXXX XXXX ER submitted the necessary paperwork to my insurance this bill would have been paid. There have been law suits filed against XXXX XXXX ER by others regarding the above unfair practices and failure to inform patients. I have also filed a dispute with the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: We received a call from the XXXX XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX XXXX XXXX office told us they had several calls on this topic today.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 05-12-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I have submitted a modification packet since  XXXX / XXXX / 2017 . I was told my packet was going to be review for a modification. However ; SLS schedule a sale date 15 days after they had acknowledge my application. SLS does not want to put my sale date on hold or push it back until I get a decision. I am very upset of the way SLS is reviewing my loan at this point I dont even believe SLS intentions are to help me. Since SLS has done this to me in the pass, I am very scare to lose my home. I dont have any where else to go, and my intentions are to keep my house with an affordable mortgage payment. I am still willing to work with SLS however they are just prolonging my case so my home can finally foreclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: SLS Loan Servicing is the worst company around. I have a Heloc that the interest only period was ending on XX/XX/XXXX, so XX/XX/XXXX, they sent letters offering a modification and explaining it was shifting to a principle and int. payment and that I needed to send in like {$880.00} by XXXX or the deal was off. I signed the letter and sent a cashiers check. ( as I was fine with this ) Then, out of the blue XX/XX/XXXX. I got another letter saying the same thing, that I was being offered a modification and to send money, etc.. I called them and they were like, 'oh, yes, we see you sent this in already, we 'll take care of it '. We then noticed online that we owed {$1400.00}! Then also in XX/XX/XXXX I got another letter now offering to modify it again ( 3rd time ) and this time keep it as an interest only payment for 5 more years, so naturally that sounded better than the previous XXXX offers, which I thought were already in effect, but never appeared to have taken root in their billing system. So, I called again, after that first call then ensued 2 full weeks of about XXXX different SLS people calling me back and each one was as clueless as the first caller as to what was actually going on with the modification or what took place starting XX/XX/XXXX. Now, my principle balance seems to have gone down, so hopefully that original {$850.00} was applied to principle, but there is no way to check or to verify this. Also, no one could tell me how they were calculating the interest and coming up with the payment they were now telling me was due ( well over {$1000.00} for some reason ). Even if they had switched to a principle and interest payment at the original index plus the margin the amount they were saying was due could not be calculated on any amortization calculator for XXXX amortization, and I work in the mortgage industry so I do this on a daily basis. So, it appears they are most certainly over billing me on interest and can not seem to figure out the payment structure nor the modification or when it goes into effect or if it ever will. The last guy I spoke with said that it should all be fixed now ( about 2 weeks ago ), but my wife just went on line and again their website is showing we owe {$1000.00} again ( the payment at int. only should be about $ XXXX/mo based on {$97000.00} and Prime plus 1.75 % or 5.25 % interest only ). This amount does n't even equal two payments ( if we happened to have missed one, etc ... ), so again, they are full of it and the most clueless company I have ever dealt with in my life and I 'm over XXXX yrs old. I went online and there is no less than about XXXX reviews all slamming SLS to no end and many, many similar stories to mine. They need to be stopped and put out of business or fined heavily as I 'm sure they are ripping off the public to no end. 
Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I was XXXX and in search of new car. I went to XXXX XXXX XXXX in XXXX, SC and spoke with a gentleman with the last name of XXXX. We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that XXXX offered. I left the delearship with no car and about XXXX hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in XXXX inquiries. I bought the agreed upon car for the agreed upon price in XX/XX/XXXX at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and XXXX XXXX is probably still doing shady practices to unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: An erroneous default judgment was filed against, The courts issued and order that canceled the default judgment on XXXX XXXX, 2016. Experian credit bureau had been reporting this on my credit report. I disputed it in XXXX 2016. I received an result of the investigation despite providing copies of the canceled order and Experian continues to have this on my credit report.

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 09-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hello. 
This problem has been going on for three years. Due to a divorce I am no longer able to pay my mortgage. Three years ago Chase agreed that I would be able to do a short sale. Since I was approved I have gotten multiple offers, including cash offers. All denied. I have been bombarded by phone calls from their collection department which knows absolutely nothing about my account. I explain to them about being approved for a short sale and they say they 'll note the account but keep calling and calling and calling. I have had over FORTY, yes XXXX different people in charge of my account. It seems once I seem to be making a little progress in the situation I am moved to another representative who knows nothing if I can even get them to return my phone calls. I beg my realtor to not quit as she has ove 300 documented hours of time dedicated to dealing with the bank. 
As of rite now a offer has been put in and has been denied. The person who denied it has said he does n't remember denying it and ca n't give us a reason as to why. We have put a appeal in and ca n't get anyone to call us back. Please, I do n't know what to do. I am a simple man and need to get on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Using a debit or ATM card

Complaint: I filed a report with HSBC in reference to a few fraudulent charges on my checking account on XXXX XXXX 2016. When I spoke to a representative from the fraud investigation department they had stated that I would be receiving a provisional credit while the investigation is going on. I waited after 10 business days and still did not recieve a provisional credit. I contacted the representative that was handling my case and she stated that the provisional credit was denied. I inquired why and she did not provide me with a valid reason and continued stating that I need to take liability for the loss of money in my bank account. I told her that I need the provisional credit to provide me some relief since a large sum of money has been taken out of my account without my permission. She was unsympathetic and continued with her statements that I will have to wait until the whole investigation is over. I stated to her that I am at a loss and I have financial obligations. She stated that she could not issue a provisional credit and I could talk to the supervisor. I spoke to the supervisor and he continued to speak to me in a derogatory manner. I stated that I wanted more information on why my provisional credit was declined. He stated that I needed to be more careful with my debit card and basically put all the blame on me instead of offering me support. I stated if he could authorize a provisional credit since I had pending financial obligations. He continued to state that it was my fault for the fraudulent charges and due to that I need to wait until the whole investigation is completed. I stated that I have followed through with all requirements including filing a police report and mailing the fraud claim form. He stated to me that I will have to file a police report in every state where the fraudulent transactions took place. I stated that I was not informed by the woman who is handling my case that I need to do that. I stated that I want in writing in regards to the policy that HSBC utilizes when handling fraudulent transactions. He did not comply. I told the supervisor that I am deeply unsatisfied with HSBC and would appreciate if I could get provisional credit. He declined my request and continued blaming me that I caused the situation that I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I worked for XXXX XXXX XXXX XXXX XXXX as a XXXX. Due bad business management, the XXXX branch practically despaired. 
First, the more experience employees leaved the company and after that, gradually many others toke the same decision, including my self. As a result, the company charged their looses to the personal that no longer continued working for them, and now are affecting our credit, in this case, my credit.

Company response to consumer: Closed with explanation