milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I receive my XXXX and XXXX scores for free through XXXX XXXX, which is great! However, I noticed when applying for credit that my Experian score was lower. The only way to get Experian score is to sign up for an account. They make you believe the cost is {$1.00}, but after you sign up, you are informed that it is $ XXXX/month and that the {$1.00} is for a 7 day trial. While you can create an account online, you can not cancel your account online. You are required to call. Initially the recording asks if you would like to speak to someone or use the automated system to cancel. After entering personal information through the automated system, they automatically convert you to a representative ( outside of the US ) that again asks personal questions, makes an offer to reduce the cost to $ XXXX/month for the service. It took 90 seconds to create an account and 9:39 minutes to cancel. No confirmation of the cancellation has been sent, although I have " been assured '' that no additional charges will appear. I feel that this is an incredible opportunistic and questionable means of a credit reporting company doing business. And now I am concerned about identity theft knowing that all of this information is sitting on servers outside of the US.

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 05/23/2017 about Debt collection (Other debt) with Falls Collection Service Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe this debt, company continues to attempt to collect, they are not bonded in Texas, and can not collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Penny Mac. My husband lost his job. We requested a hardship loan modification over three months ago. They stated that they are processing it. We are worried because we are not hearing anything from them. XXXX They are still taking the payment out of my account, yet they are reporting us late on our credit file. I do n't know where else to turn. Can you please help us

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have multiple errors that I have been working hard tohave equifax fix but theyrefuse to help me and I dont know what to do bc I 've consulted with the bank the provide me a letter about a 30 day latepayment with XXXX banks bc of the type of bill payment check from XXXX. 

Also I have a fraud collection that equifax repeatedly re-reports but with a higher balance. I feel as if Equifax and the collection agency are in bed with each other and taking money to keep stuff on consumers reports no matter the case. 

I need these lates remove by equifax and the collection gone. I see they 're getting fined and sue bc of misleading on credit scores .... maybe this will be next.. I hope not but the evidence is piling up bc the other XXXX bureaus investigated and updated.. except EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a bank of america credit card. In XX/XX/XXXX the minimum payment changed. I was enrolled in an automatic bill pay. The automatic payment amount was not changed to reflect the higher minimum. The payment was credited as late, and a late charge applied. This happened until XXXX of XXXX. At such time i became aware of this. ( no attempt to contact me about his problem was made ). In XXXX i believed this was taken care of. I spoke to them, they adjusted my account and the guy told me my payment was straitened out. 

today,XX/XX/2018 i find out that in fact the exact same thing has been happening since XXXX of last year. The guy i spoke to in fact did not fix my payment methods and although the minimum at the time was lower so that the amount my account was set to pay was sufficient for XXXX, it then back higher and again i began accruing late fees. I contacted them and they refunded some ( but not all ) of the fee, but they then told me i had make changes to my account via web page in order to get the account to where it would make a minimum payment every month, regardless of amount. 

The process is unnecessarily onerous and complicated. As someone with experience designing and creating websites and bill payment systems theirs is overly convoluted. After 18 months and 2 lengthy attempts at contacting them, my account is still not set up to make a recurring minimum payment every month. However only after my second interaction am I left with the knowledge this is not the case. 

As a credit card consumer, their process is so vastly different and outside the normal experience ( regarding setting up a payment for the minimum amount every month, i can only conclude that this is deliberately difficult in order to confuse consumers about the state of their account. 

These practices are at best indicative of inapt user experience planning, but more like a result of deliberate and intentionally deceptive design.

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 09/20/2016 about Consumer Loan (Vehicle loan) with GREATER SUBURBAN ACCEPTANCE CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: Greater Suburban Acceptance is reporting incorrect Information to all XXXX of my credit bureaus. I 'm requesting that they send me all documentation. The car was repossessed and sold. 
1. I need the original documentation on the loan agreement 2.I need the information on the price the car was sold for 3. I need proof of the difference in balance that they 're saying I owe them 4. I need a direct person to talk to if I have future questions in regards to this loan

Company response to consumer: Closed
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: While I was in bankruptcy from XXXX to XXXX I had my Mortgage modified to 2 % and was making payments of XXXX. After some time NaitionStar bank pulled the modified terms claiming the the person who did it did not work there then they said she was not authorized. Clearly someone authorized it and the banks computer system was taking my modified payments. I ended up making several payments over XXXX during my bankruptcy. I ran into financial trouble and missed some payments and was under the impression that because I was in bankruptcy I was not required to make payments. When I tried to pick up on the payments I was told that was not enough. So since the terms and interest rate was changed for 2 % to 7.875 % there have been XXXX thousands of interest over charges and the told me I had to pay {$250000.00} when the principal balance is only XXXX At any rate I am going through another modification attempt to reduce the balance and make the payment amount 30 % of my current income. I have been granted a Trail payment plan for XXXX from XX/XX/XXXX to XX/XX/XXXX I have submitted all the required documentation to reapply for the FHA HAMP modification program. The websites states it could take up to 30 days for NationStar to process. However I was told by XXXX XXXX around XX/XX/XXXX that they will do nothing until all XXXX trail payments are made. He also told me the loan terms will stand as is and not change. So they have clear blatant disregard for the HAMP program and have no intention on modifying my loan terms as it could be under HAMP. 

Attached are approval letter for the Trail payment, screen shot showing they have all required docs for the modification, Mortgage statement showing a minimum payment over {$260000.00}, And a Nationstar screen shot showing the principal balance with the raised interest rate of 7.875 %

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Commonwealth Financial does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2015 my parents whom live in XXXX were contacted by a representative from Zenco. They claimed that i owed money on a debt that i never had and disclosed my whole social security number to my parents. They also said that they will be taking me to court in XXXX XXXX because of this. So i called this number ( XXXX ) and left a message stating not to call my parent phone again and not to call me regarding this alleged debt without sending me the following in the mail. The amount of the debt, the name of the creditor to whom the debt is owed, Proof that you are licensed to collect debts in XXXX, Proof of the last payment made on the account. I received a phone call on XX/XX/2015 at approximately XXXX Eastern Standard time and a gentleman claiming to be from there legal department stated that he could call my parents and whom ever else he wants even if he is told not to. He then said that " fraud '' charges would be filed in XXXX XXXX against me. When i asked him to send me proof of this alleged debt he refused to do so. I asked again and he still refused and said he does n't have to. I got got angry and used profane language and he said something i regards of my mother and that they would be taking my tax return.I then called back at XXXX EST and left a message stating that no more communication between them and anybody else is prohibited and that i will be making a complaint with the FTC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I owe a balance with XXXX. Due to some financial issues I was not able to make my monthly payments. They had contacted me and I had explained the situation to them. After that they had contacted my place of employment and I involved them that I can not take personal calls at my job. After that I spoke with them again and I told them I could make a payment but not until I got paid. They told me that they needed a payment sooner than I could pay them then stated that if I didnt set something up they would preceed to garnish my paycheck. They then called my job once again at this time I had changed locations and they called my new location and once again I told them I cant take personal phone calls. I had spoken with someone who stated that my file had a status not to contact me and that I would have to contact them. Needless to say a few days later they contacted me again. I understand that I owe a debt and I am willling to work with them to pay it off but I would like the phone calls to seize. They stated my account is in legal status I said I could make a payment but they said it wouldnt be enough. I think that some type of payment is better than no payment at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX, Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with CAC Financial Corp (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.

Company response to consumer: Closed
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX  #  XXXX , There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed  debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I went to Equifax site to check to see if we were impacted by breach. Typed in last name and last 6 of SS #. Said I was impacted. Did all family members, all supposedly impacted, all sent to credit monitoring. Got suspicious, told them name was XXXX with 6 random numbers, same answer. Told them my last name was XXXX and XXXX with random 6 numbers. Always reported impacted, and sent to monitoring website. This is not acceptable. Am I impacted or not? Sending every inquiry, every name and number combo to monitoring is being used to sooth fears without actually being informed if we are indeed impacted. This is a massive fraud by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX- Experian, XXXX , XXXX XXXX XXXX XXXX Experian, XXXX XXXX Experian XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: account paid in full but reported as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Auto debt) with BMW Financial Services NA, LLC (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XX/XX/XXXX and on XX/XX/XXXX- They contacted a relative and left a message, then disclosed that they are attempting collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016, I opened a Citigold checking account on receiving a promotional code ( XXXX ) because I am an existing Citi XXXX credit card customer. The promotional code promised XXXX XXXX miles on completing bill pay and minimum spend requirements within a specified timeframe. 

I completed those requirements in the first week of XXXX, and the statement closed on XXXX XXXX. 

Citi representatives confirmed I am eligible for the promotion and that I have successfully completed all requirements ( correspondence attached ). 

I then waited more than 90 days, as per terms and conditions. 
I then followed up, and was told to wait more for a few days. 
I then followed up, and was told to wait more for a few weeks. 

As of the date of this complaint, my XXXX have still not been rewarded, despite them having been promised several weeks ago.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I signed up for a dollar and cancelled my membership the same day I was still charged XXXX a month. I called and cancelled again they charged me again and again A complete waste of money. The only way to cancel is to call and the estimated wait time is over an HOUR. There is no way to cancel online.

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