milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Attempting to refinance a mortgage. Lender indicated there were some derogatory marks from old credit cards that, based on Equifax retention policies, must remain on file for at least 7 years. Derogatory marks were due to a business partner 's XXXX and medical issues. In the last 5 years, all debts have been paid/resolved and current debt service payments have been paid on time. Credit scoring does not give any weight to financial hardships brought on by involuntary circumstances. This places an undue burden on individuals. Someone in the credit reporting field needs to take a look at this and come up with a scoring model that takes into account these kinds of medical/financial hardships. I believe this is a failure of the credit scoring process that unnecessarily impacts many individuals in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX has reported to all 3 credit bureaus that my account with them has been charged off.I have disputed this false information many times and all 3 credit bureaus report back to me that the results from XXXX is stating charge off.I got in contact with a supervisor at XXXX on XX/XX/XXXX he would not give me his name but told me this account has been charged off.He could n't give me for what amount when was it charge off or anything. Told me to get in contact with the credit bureaus. I open an XXXX account back in XX/XX/XXXX my highest balance was {$180.00} never late. XXXX closed this account XX/XX/XXXX without me knowing. I did not authorize them to put charge off on my credit nor closed by grantor. False information that 's being reported! I want XXXX to remove this charge off and closed by grantor off my credit. My credit is taking a hit from that wrong information. Also can they sent me a letter stating they have removed from credit agencies.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Requestor ( myself ) : XXXX XXXX Contact : XXXXXXXXXXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collector is actively trying to collect on a debt in which the last activity was in XX/XX/2012. As a resident of the State of Texas, the statute of limitations on debt is four ( 4 ) years. In addition, I contacted the collector and asked for debt verification that met the standards of the Fair Debt Collection Practices. The collector only provided a " balance due '' statement with none of the characteristics that qualify under debt verification standards. 

I have subsequently sent another letter to the collector via certified mail, return receipt requested, informing them their response did not meet the requirements. I asked the debt be removed. I also notified them they are trying to collect a debt past the statute of limitation. 

As a " Law Firm '' standards exist for ethical behavior that include knowing the laws of the States in which they practice. They know, or should know, the statue of limitations in the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Struggling to pay mortgage

Complaint: I have not paid on my mortage ( for a property I do not reside in ) since XXXX 2012. I have filled out the same packets of paper 2 or 3 times and have called several times, requesting to complete the foreclosure the process. Their military department changes the representative everytime I speak with them and no one can ever seem to locate any of the previous paperwork I have filled out, attempting to expedite the process. The property has been vacant for at least 3 or 4 years. They continually send correspondence for inspection costs, insurance costs, property maintenance, but will not send any correspondence saying qe can finally get to the end of this process. I feel they are just trying to drag it out as long as they can in order to get more money. I have filled out everything they have sent to me stating they can take custody of the property and even received something stating that they have done so and any further payments will be considered voluntary. Meanwhile we get monthly statements saying we are $ XXXX behind. I just want to get rid of this property and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: There is no way to communicate with them. I ca n't email them. My online account is alwa ys disabled. And the ir automated response phone system does not work, so calling is hard too. It 's impossible to communicate! Please help! I 've already complained to them about their phone system. No change.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this is a case that the company responded to but im resubmited it again due to their response, i left the apartment in a good standing regardless off what happened, i decided to pay them {$700.00}, it mean i want be able to get anything back from 2 of my tires.they refused and want me to pay {$1200.00} which is the whole amount the collection put in my report and one thing i didnt like is they still calling that a settlement.the first payment of {$700.00} suppose to be paid the XX/XX/XXXX.i want a fair resolution of this case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/17.. I did not authorize this 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 explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX was doing bad business. Only providing the signature page to sign but not providing a copy of the contract for the consumer to be aware of the policies of doing business with said company. I asked for a copy of the contract upon signing and I was delayed and dismissed to pack away my belongings in storage before they close. Then later told by XXXX XXXX the office has already been shut down all systems are off. I can get the contract when I come back another day. Upon the first attempt to pay for the storage unit, my account acquired fees that were not made clear upon entering the contract. I was then told they do not accept partial payments, although just {$10.00} short, they refused payment. By the next bill cycle the amount doubled with legal fees, etc. I was threatened my items would be auction next. XXXX XXXX was informing me that's why he is in he office at the moment, to prepare paperwork for units to be auctioned. My unit was put for auction and I petitioned an Order to Show Cause in XXXX XXXX Small Claims Court. I was sent an e-mail from XXXX XXXX manager of XXXX XXXX on XX/XX/XXXX to collect my belongings by XX/XX/XXXX at no charge. I received my things within the time frame given, I asked for paperwork for all the transactions between me and the company. I was denied, told by XXXX XXXX I have my belongings no further actions will be taken. I can drop the case. Then XX/XX/XXXX I started receiving letters stating I was in collections with Credit Protection Association L.P. I have notified them in writing in regards to matter. They will not cease and desist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Due to financial difficulties borrower 's home was listed for sale in XXXX of XXXX. An offer to purchase the home was received on XXXX XXXX, XXXX. Bank of America as the servicer began to impose continuous requirements and waiting period hold and court authorizations prior to reviewing the borrower for a short sale which further delayed the transaction for a period of 8 months to the decline the offer after setting several requirements had to adhere to in order to be even considered for the short sale in which the borrower complied with. Bank of America than declined the short sale without a complete denial explanation, reason and due process of appeal as required by the HAMP guidelines. Bank of America requested a loan modification requested must be submitted prior to review of the short sale. The borrower was approved for an un-affordable loan modification which demonstrated more than 31 % of the borrowers gross income. Bank of America requested for the borrower to decline the offer in order to proceed with the short sale in XXXX. On XXXX/XXXX/XXXX a declination letter was sent to Bank Of America. On XXXX XXXX, XXXX Bank of America requested a Bankruptcy approval to proceed with the short sale. On XXXX XXXX, XXXX the bankruptcy court approved the sale of the subject property as Bank of America requested. Bank of America sent an eligibility letter on XXXX XXXX, XXXX. Bank of America than imposed another requirement for the borrower to wait 3 months for the trial plan period to expire ; although the offer is not valid after defaulting on the first trial plan payment. Bank of America did not allow the borrower to proceed with a short sale request until XXXX XXXX, XXXX. On XXXX XXXX, XXXX Bank of America denied the loan modification stating the Investor/Guarantor on your loan or your XXXX has declined the approval because it does not meet their requirements but would not disclose what requirements were not met and refused the borrower due process of an appeal after setting requirements and imposing conditions on the borrower to be met for a period of 8 month. By Bank of America delaying the process for 8 months which negatively affected the net present value results.

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 08-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am requesting that Midland Credit Management/Midland Funding, LLC be removed from my credit report with all three credit reporting agencies for violation of the FDCPA. I have submitted a prior complaint. I have requested that they validate a debt they alleged that I owe and received no response for over a year. 

They sent me a letter dated XXXX XXXX, XXXX, which violated Section 1692g because it did not clearly state that they were attempting to collect a debt and that I had the right to dispute the debt in writing within 30 days. Futhermore, the format of the letter and language used overshadowed the purpose of the letter to collect a debt after proper validation. I do recall speaking with someone to request validation of this debt, but never received any documentation to validate the debt. Instead, I received harassing phone calls which eventually stopped. Unfortunately, I was not aware they were breaking any laws and did not submit a complaint at that time. 

After being made aware of my rights, I did send a written certified request to Midland on XXXX XXXX, XXXX requesting validation of the alleged debt. The letter was received by Midland on XXXX XXXX, XXXX. Shortly after, I received a phone call from a representative from Midland, after I requested that they only contact me via USPS. I filed a complaint with CFPB on XXXX XXXX. In their response they attached statements of the debt that they alleged that I owe. However, they have never provided this information to me via USPS or provided documentation that they have a contractual agreement with the original debtor to collect this alleged debt. 

I contacted Midland again, via certified letter on XXXX XXXX, XXXX to request validity of this debt and offered to settle this alleged debt if they agreed to remove it from my credit report with all XXXX reporting agencies. To date, I still have not received validation of this account to my satisfaction. 

Upon reviewing my credit reports, this account was removed from my XXXX and XXXX reports between XXXX XXXX - XXXX, XXXX and added back. The information that they are reporting to the credit bureaus are inconsistent and I am requesting they remove all information of this debt from all XXXX of my credit reports. 

I have placed a dispute with XXXX to remove information from my account as they are listed as the original lender with a date assigned as XXXX XXXX. I do not have contractual agreement with them as a creditor and want it permanently removed. I am also disputing my XXXX and XXXX accounts as I have not been supplied with any evidence that the alleged debt was sold or assigned to Midland to collect from me. 

I am requesting that Midland remove this account from my credit report with all three reporting agencies and agree to close this account and not sell it to any other collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Other banking product or service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have a checking and savings account wit h USAA Federal Savings B ank bank for many years in  XXXX   XXXX , TX. They recently shifted to added security at login. Supposedly, they send a security code to an email address and then you enter the code. This is as far as I can get on a laptop. First, they send the code to an old email address no longer associated with my account ( I do n't know what is on my profile for sure, because I can not login ). By the time I get into the old email account, copy the code and enter the code, it has evidently expired because I get an " invalid code '' message. I tried it three times and no luck. The same error message appeared. So I called customer service  three  times and once spoke to a security rep supervisor. I entered my SS number, my  4-digit p in number, my member ID #, gave my bank debit card information and then they wanted more information about made-up past addresses lik e one from  twenty-five     yea rs ago ( wrong address ) when I worked for a company  XXXX   XXXX   XXXX  miles away from where I live now and ove r ten y ears ago  ( the plant no l onger exists! ) After another half hour or so, the public records proved false, so at that point I told them the public record information was not right. Despite my protest that the answers were not correct, the rep continued anyway. What more could they possibly need, well they kept on asking. I finally said enough! I want to close the account. But they would not let me, cause I have not been verified.  SSN, Member  ID,  25 random o ther passwords and personal information from an incorrect " public record ''? Please help me get my money out of this bank and close this horrible account or make them let me in to my own account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have this debt collection on my credit report for a long time. At the beginning I did n't pay attention to it because I knew I did n't owed it. They have contacted me letting me know that I did n't return a router to XXXX that I was supposed to when I close my account. I moved from New York back in 2012 and I personally returned the router to their office in XXXX XXXX in XXXX. I had previously contacted XXXX and let them know about me moving ; they told me all I had to do was to return the router, and pay any balance in full, I did so. Right now I decided that it was time for us to buy a house, but I have this negative and false report that is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all three credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, XXXX

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 11/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have reached out to Navient to have the dispute and the dispute language removed from my credit report. I was advised that this could be done online by uploading the documents to the credit retraction department. I attempted to do so but could not find the credit retraction department in the drop down menu. I reached out to customer service again and learned that this a process that can ONLY be done mail and that department does not have a phone or fax number. I am in the process of securing a home loan and the underwriter will not approve my loan due the dispute appearing on my credit report. I am requesting for Navient to remove the dispute and the dispute language from my credit report. The dispute appears 3 times for each account. I have mailed a copy of my credit report as well as a signed and dated letter indicating I want the disute removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have advised Transunion by letter and a marked up credit report of phone numbers and addresses that are not mine also phone numbers that have never been mine and phone numbers that were mine and are no longer active for me.They continue to send me reports without deleting the information. Please help : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have never been my address XXXX XXXX XXXX was my parents ' address and then my mother 's address never mine XXXX XXXX XXXX, XXXX XXXX, with zipcode XXXX is incorrect and has never been my address and I want them all removed XXXX, XXXX, XXXX, XXXX, XXXX have never been my phone number and I want them removed XXXX, XXXX, XXXX, XXXX my brother 's phone number, XXXX, XXXX, XXXX all of these were at some time my phone number but are no longer The only phone number that is mine and is current is XXXX They have been contacted at least twice by mail and have not corrected the report. 
Any assistance you can provide is appreciated. 
Many thanks.

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