milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This car loan has been on my credit report over  7 to  10 years and should be deleted immediately.

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 02-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continual calling and harassment on a debt, which they admittedly tell you, they can not enforce because it is over 6 years. It appears that their practice is to harass you until you resolve the debt, even though it is legally unenforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Debt collection (I do not know) with Commercial Acceptance Company (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Received letter from a debt collector named commercial acceptance company for debt owed to my XXXX account that was in good standing, that I currently was not using and did not owe any debts or fees to and had my bank account froze as a result. Last I used my free checking account with XXXX was in XX/XX/XXXX 2016 which I made a deposit of just under 9.00 to my account. XXXX did not contact me about this alleged debt and I contacted them and I had no outstanding balance. I sent to the collector letter disputing the collections and asking for proof of debt but only recieved another letter saying it is going into collections and will affect my credit score because I " did not comply with their demands '' they also stated they required payment only by credit card by writing my card information on their form including my XXXX digit CVV code. I have not paid this company and have not contacted them since. I also had this show up on my credit reports and bring my newly good credit score down XXXX points which prevented me from being able to purchase a vehicle after being without one for 2 years. XXXX removed this from my report but XXXX still has not.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Money transfers (Domestic (US) money transfer) with Nationwide Biweekly Administration, Inc. (CO).
Issue: Other service issues

Complaint: I took out a mortgage in XXXX 2015 and in XXXX 2015 entered into an agreement with Nationwide Biweekly Administration , Inc. to assist with making bi-weekly mortgage payments to my mortgage holder ( XXXX ) since XXXX did not offer a bi-weekly payment option. Then, on XXXX XXXX, 2015, I received a form email from the President/CEO of Nationwide seeking my help in stopping the CFPB from shutting the company down, included all kinds of religious based statements ( no need for religion in a regulatory dispute ) and bashing the CFPB. Then, I received a letter later that month letting me know that the CFPB had suspended their operations and that I had to re-assume the payment of my mortgage on my own and that they would get back to me when they had cleared their regulatory hurdles and established a new banking relationship. Since that time I have been attempting to cancel my agreement with Nationwide for non-performance of services on their part to be denied ( verbally ) and the escalation hotline puts you on eternal hold to the point that the system eventually hangs up on you. I have since re-established my auto-draft with XXXX and they now have a program where I can make bi-weekly payments to help reduce the 30 year stated term of the loan. 
Then, today, to add insult to injury, I received an email from Nationwide advertising " advanced features '' to pay off my mortgage. I am bit baffled at how this company can continue to advertise products and services to solicit new clients when it can not fulfill its contractual obligations to the thousands of customers that paid them to provide such service?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent Capital One a disputed and validation letter on XXXX XXXX, 2015 under the fair credit act they keep send me a letter that the account has been sold but i got XXXX to delete these from my credit report because they could not prove they are my accounts. So i am trying to get Capital One to do the some thing but they keep trying to send me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Amsher Collection Services placed an collection on my XXXX Credit report for XXXX with out debt validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I reported the company and the Provider ( XXXX XXXX XXXX    XXXX XXXX ) to the California Dept of Managed Care, and the company admitted the debt was not owed and sent me a letter of XXXX debt. But every year I keep getting phone calls or letters from credit agencies about this even my insurance company XXXX wrote them a letter that the debt was not owed any more. But they keep trying to collect. I pay all my health bills on time, but nonetheless keep getting harassed by this company. I even submitted a complaint that they are harassing an Elder, as I am XXXX year old Senior Citizen and on Social Security. But I do not owe any debts for medical bills or any other services.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very devastated of how Sun Trust has handle my loan. I was forced to re-applied numerals times because Sun Trust keeps using the wrong income. I have provided my bank statements for proof of the money I get paid doing carpet installments. I also informed my lander that I don not have any company expenses because they provide me all the materials and tools so I can do the labor. I also told them many times that my home is severely under water by - {$130000.00}. Sun Trust keeps stating that I dont have enough for an affordable mortgage payment. However my monthly income is {$4100.00}. and SunTrust only used {$3400.00}. to review my loan they are purposely doing this to me so I wont be eligible for a government modification. At this point I was forced to appeal but they always deny my appeal for the same reasons. I do not want to lose my house due to my health it was impossible to keep up with my mortgage payment.

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 09-09-2016 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX XXXX, XXXX, I took out an Auto Title Loan from LoanMart and received {$8000.00} ( includes a {$19.00} XXXX fee ). I paid LoanMart back {$9300.00} on XXXX XXXX, XXXX. I had the loan for 78 days and in the interim, I also paid two payments of {$840.00} to LoanMart. In total, I received {$8000.00} and paid {$11000.00} ( {$9300.00} + {$840.00} + {$840.00} + {$19.00} XXXX fee ) or {$2900.00} ( less {$19.00} XXXX fee ) in interest. I estimate that LoanMart overcharged me {$1700.00} and LoanMart refuses to tell me how the {$2900.00} in interest was calculated and how the {$9300.00} payoff amount was determined. 
On XXXX XXXX, XXXX, I paid off my car title loan of {$9300.00}. I had to call LoanMart for my payoff amount and was told it was {$9300.00}. I asked them how the {$9300.00} was calculated and was told they did not know, but for every day I delayed payment, I would be charged a daily interest rate. I paid the amount LoanMart said I was required to pay and called LoanMart several times to determine how the interest was calculated. LoanMart could not tell me how the interest was calculated so I wrote a Certified letter to LoanMart for an explanation. LoanMart received my letter on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX they have still responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 collection agency contacted me to discuss a claim in reference to my daughters impacted XXXX XXXX XXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my 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 explanation
Consumer complaint received 09/22/2017 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: Their investigation did not fix an error on your report

Complaint: I have submitted SEVERAL times to TransUnion that they are reporting inaccurate information on my Credit profile. The first was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pull my report every month on the XX/XX/XXXX. TransUnion is reporting a US Bankruptcy Court. Per the FCRA 623 ( a ) ( 5 ) : m " If ther Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove the said information from the consumer credit profile. '' The Bankruptcy Courts have also reviwed the Public Record section on TransUnion Credit Bureaus Report. As a result, the bankruptcy court gave me a letter wich emphhatically stated that they DO NOT provide any information to the credit reporting agencies, nor do they ever validate or confirm public records. The courts rep also informedf me that Public records information is NEVER validated by the U.S. court system due to the Fair Credit Reporting Agencey PRIVACY LAW. I have sent several letters to TransUnion regarding this matter and have only gotten back verified and I keep asking for them to CLARIFY how they can keep confirming something that is NOT MINE and I NEVER get an answer. Please help me correct this matter with this Bureau.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am filing this complaint because  XXXX , Equifax, and   XXXX   have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that  XXXX , Equifax, and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from  XXXX , Equifax or   XXXX   trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from  XXXX , Equifax or  XXXX  regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus.  XXXX , Equifax, and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deleti on of this inaccurate information.  XXXX , Equifax, and  XXXX  are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) (  A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and  XXXX , Equifax, and  XXXX  have yet to verify. Also,  XXXX  informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Credit card protection / Debt protection

Complaint: I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I wrote a letter to this company dated XXXX XXXX, XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX XXXX date XXXX XXXX, XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc. ) that will prove the validity of this account. This company can not even tell me when was the date of service which on their letter shows " XXXX/XXXX/XXXX ''. Their response is unacceptable and unlawful, so is this credit repository 's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX 's letter, copies of the letters sent to this credit repository and to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, my name is XXXX XXXX, I 'm writing this complaint against XXXX and Navient and XXXX. the schooled that I attended closed down during attendance. I did not benefit form the school and what I mean by that is there was no degree or certifications. there were no transferable hours to take to another school those option were not available. so now here I 'am fighting this and have been for Years. I have been bullied into paying what I have already payed. and now they want me to pay some more. the loan was for XXXX and something. the promissory note says the school only accepted XXXX. I 've been threaten with garnishment twice and paid something to stop it and over the years my income tax was used to off-set this debt. I recently applied for a school loan discharge and Navient has told me I did n't qualify because the 120 days rule that 's on the student website. but there is other clauses in there that qualifies me. and they want me to pay double. they have the loan in my married name which is XXXX which I did not change. and promissory note is in XXXX. which I feel is fraudulent and they have it on my credit report. and XXXX do n't know of them until the other day when I checked my credit report and there they were reporting this loan as if I opened it this year my credit score has drop because of all this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MI).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened a checking account with {$50.00} in XXXX and tried to setup direct deposit through my company 's payroll. For unexplained reasons, they were unable to establish a connection so direct deposit never started. 

I did n't use the account, but logged in today to try to resolve the issue. Instead, I see a {$0.00} balance and that the account 's been closed without any warning or communication. 

The {$0.00} balance is because they 've taken XXXX months of $ XXXX monthly service fees - again without any communication. So I 've lost {$50.00} without any warning or communication and nothing to show for it. And XXXX has forever lost me as a customer.

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 10-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARDINAL FINANCIAL COMPANY (WA).
Issue: Settlement process and costs

Complaint: We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I signed up for a special 12 month no interest balance transfer program from Capital One. I transferred a balance of {$8000.00} from a XXXX credit card as of XXXX XXXX, 2017. I see that I was charged {$51.00} in interest which violated the promotion that I signed up for. I called Capital One and spoke to several representatives. They stated that they will credit {$51.00} as a one time credit and that my case is being investigated. One of the representatives stated that this was a glitch. This is unfair since it violates the agreement that I thought I had by signing up for this 12 month no interest balance transfer promotion from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All information on all of the reports from Experian, XXXX, and XXXX Credit Reporting Agencies are based on unconscionable contracts based in Non-Disclosure and Deception by the alleged Creditor. All alleged creditors who entered negative reports to the credit reporting agencies did it without my agreement or consent of my freewill. Which bases those claims in deception and concealment in an attempt to defraud the Living. Alleged creditors have no valid verified Proof of Claim and I rest assured can NOT produce a verified proof of claim. Therefore all negative reports must be removed within 3 banking days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with EQUIFAX, INC. (NY).
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 provide 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 cannot verify these accounts, under Section 611 (5)(A) of the FCRA - they are required to "...promptly delete all information which cannot 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2.   XXXX Account # XXXX 3.XXXX XXXX XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation