milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contacted XXXX XXXX/XXXX XXXX XXXX to inform them that this debt do not belong to me and that this debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Auto) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Contacting me at my place of work on company phone line. After I had told them this is my work place phone. Stating that they will report it to the credit bureau. For a debt that I feel is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have several addresses that come back on my credit report that I have never resided. I have written in a description, Also my middle name is spelled incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called  XXXX  and try to find out why my bill was {$1700.00}, and   XXXX   XXXX   finance department stated the account is with an outside agency then transferred me to RPM ( Receivable Performance Management ). I tried to explain my situation to the first agent at RPM, she discontinued the call. I tried again, it was discontinued and the third time it was transferred to the escalation department.
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The RPM escalation department agent then gave me two options, dispute the balance immediately or request for a detailed bill from   XXXX   which will be sent to RPM to review then she 'll get in touch with me. She stated it will take about 30 days for RPM to receive the detailed bill from  XXXX . If I decided to dispute the balance now, then she could go ahead and do that. But, after the dispute she 'll need a bill to review the items I am disputing ( which does n't make any sense to dispute now if she needs a detailed bill from  XXXX  to begin with. ) While talking about these options, the agent told me I have 89 days until they put this on my credit bureau and ruin my credit. A reminder this 89 days is counting down while   XXXX   and RPM figuring out their processing of receiving and sending the detailed bill.
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I tried to ask why that is and the agent told me there is nothing I can do about it. Then stated she 'll start with the dispute now. She stated there 's nothing I can do about it as if I do n't know my rights. She also suggested I pay the bill now and dispute the bill items later, which I think is ridiculous because the bill is not yet verified.
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Furthermore, RPM never once sent me a letter at my house which they claimed to have done. I asked if they could send me a letter again, they said they already have sent it and will not send it again.

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 01/26/2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Account opening, closing, or management

Complaint: I have had XXXX different accounts with with Navy Federal. With each account they charge outrageous and excessive fees for their OOPS feature for checking account. They restricted access to the XXXX accounts that I have had that they closed without notice to me. Even when visiting a local branch I was denied access to statements and transaction history. The fees range anywhere from {$20.00} to {$60.00} at a time. After paying accounts in full and establishing new account, they still restricted access to many features that are included with the account. I have no problem paying the accounts with bringing them into good status but what I do not agree with is paying {$20.00} to {$60.00} on transactions they authorized. I find it deceptive and a way to take more money out of the consumers pocket. I ask that the CFPB look into this business practice. Also the threat of closing accounts or closing accounts entirely before the 30 day ( 60days in most instances ) without notice or allowing consumer to bring the account into positive standing is unlawful. 

My other concern is there unethical and discriminatory lending practices and discriminatory practice in how they approve members for their credit cards. Each denial stated that I would receive notice as to why was denied and how I could ask for reconsideration. I have yet to receive any notices from Navy Federal since I first applied in XX/XX/2016. I was told over the phone to wait a month and reapply and I would get approved. I waited a month and still got denied. Still did n't receive a denial notice in the mail. For the most part Navy Federal is not bad but some of their business practices are shady and take advantage of the individual consumer who has invested in shares in this institution. Some of their practices are very predatory and make it virtually impossible for consumers to bring account in red back to black

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: 1. Everything I apply for personal loans and credit cards TransUnion is saying my credit score is XXXX when it is a XXXX and Im being denied credit for that reason is there anyway that can be fixed other credit report consumer are saying different. 
2. I never leaved at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 07-02-2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: APR or interest rate

Complaint: My wife opened a TJMax credit card sometime XX/XX/2012 in order to save 10 % on our purchase goods., so we open the card at a 12.24 % rate on XXXX of 2012 they sold their credit company to a new bank called Synchrony Bank after that they jump our rate to XXXX $ %! I just call in and ask what my options were and they said that they did that to all customers Acc. I ask what they could do to lower my rate back, and said their was nothing they could do! Please help me to get my rate back to what we agreed upon or some form of help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Student loan (Private student loan) with Northstar Location Services, LLC (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a student loan in the original amount of roughly {$28000.00} with XXXX XXXX. The loan is currently with Northstar, and has passed to XXXX and a few other companies. I was enrolled in a 0 % interest program and have been paying on the loan for almost 8 years now. My current balance is roughly {$34000.00}. My loan has also been bought and sold to numerous companies without my knowledge. I have enrolled in the reduced interest program repeatedly, only to find out there was a mistake on the companies behalf, and that I would have to enroll all over again, meanwhile being charged exorbitant interest rates while being a few dollars off on the payment amount to qualify. The most recent example of this was in the winter of XXXX ( XXXX or XXXX. ) I was paying {$150.00} per month, and the representative told me there had been an error and and I needed to be paying {$160.00} to be on the 0 % interest program. Between XXXX and XXXX, they had asked me for a {$1000.00} down payment to be entered into a 0 % interest program. They failed to tell me it was only good for 6 months, and then did not contact me when it ended. This happened a number of times. My account was being sold from company to company, all demanding large down payments to be in reduced interest programs. I know I have payed off around {$15000.00} over the past 7 years, and somehow my principal balance seems to keep going up. I am currently receiving demands through Northstar Location Services. I am currently paying {$160.00}, as they told me last time I called I was off by {$8.00} to qualify for 0 % interest- so they blatantly lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They keep asking for XXXX XXXX that doesnt exist in my household. They call me all the time even on Sundays after letting them know this person does n't live here nor do we know the person and each one will claim to remove my number but still bothers me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX 2009. I have asked them to remove it since it has been 7 years and the credit bureaus refuse to remove it. They 're saying it will stay on my credit report for 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been disputing this debt for a while now. I have provided proof over and over again that this debt was paid to the original creditor. The collection agency keeps going back on reporting this between XXXX and XXXX. Every time I dispute it they state it is paid, change the balance to {$0.00} and the debit to paid. Then I check my XXXX account the next month and the same debt is back as unpaid on the other credit report. 

I am not sure what my option are at this point, but this I NEED HELP getting this fix. It cost me the ability to refinance my car to a lower interest rate and it cost me a percentage point when buying my house. Do I have to hire an attorney to get this fix? PLEASE HELP!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar Bank has sent XXXX letters demanding that I provide a proof of policy for hazard insurance. I spoke with them after the first letter, and indicated that the insurance had been renewed and they spoke with the insurance company. I was told all is fine. Now, weeks later I receive a demand for insurance or to pay {$6300.00}. The insurance on the property has never lapsed, never been in danger of lapsing, and they have been provided all normal documentation by my insurance company, and they have spoken with them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Aargon Agency, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX did some work on XXXX XXXX teeth. When that work was completed and paid for. XXXX XXXX was SUPPOSED to remove XXXX and give XXXX.. BUT they did the first treatment over again and did not want to XXXX XXXX 's teeth and give him a XXXX So we went to a different Dentist to get a second opinion.. AND XXXX 's XXXX were beyond saving they were XXXX and causing him a Great deal of pain and had to be removed IMMEDIATELY, or cause other health issues! XXXX was treated that day. We contacted XXXX XXXX and told them what had happened and they would not return our calls or make any contact with us and then sent us to collections for work they did not do. Now they want payment for something they did not do AND XXXX has no more XXXX and only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/26/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (CA).
Issue: Deposits and withdrawals

Complaint: Company : XXXX XXXX rush cards. XXXX of customers of prepaid debit cards backed by hip-hop mogul XXXX XXXX remain without access to their money more than a week after technical problems first began plaguing the cards. This has been going on for years. Back in 2012 it was income tax time, payday, and bonus check time for us. They withheld our money and froze our account. We lost access to funds. Rush Cards Stating that we had too much income coming in all at once. It was unfrozen a week or so later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: First off my credits are non transferable. Which they lied and told me the wer accredited and that my credits would transfer. The credits do n't transfer. Second they never told me how much my program was going to cost. I did n't find out how much it costed till the day I got the letter in the mail from the loan company after I graduated. Plus now the program in took is XXXX dollars cheaper than it was when I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: Misreporting of status of status of account on XXXX separate occasions as past due by at least XXXX days. My account with this XXXX has never been past due.

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 EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was stored by Equifax in an insecure manner. They have now alerted me to the fact that this led my information ( name, SSN, birthday, etc. ) to be stolen on X/X/17. I now must proceed assuming that this information is public due to the negligence of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Behind on mortgage with Greentree, made a XXXX $ payment in XXXX 2015 to make account current however my account info reflects that a payment of {$41000.00} and Greentree continues to add other fees to my statements saying that we still owe ie : legal fees. Have followed their reguirements or steps ( all inguiries have to be made in writing, we speak to customer serv and supervisers, managers and we are told to send all inguires or requests for account info in writing. Our account is to this day not accurate. Payment of {$43000.00} made with cashiers check, have the reciept for proof and Greentree continues to refuse to help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 tried to verify information for a collection account for a medical account that appears on my Experian credit report but have not received the information that i requested to verify this information.I sent a letter asking for information and pro of on  X/XX/2017  a nd received a response from Experian that they had verified. Then sent another letter to the collection agency for debt validation on  XXXX  which they received on  XXXX  .I  have not received a response from the collection agency to verify the debt.I then sent another letter to Experian on   XXXX   which they received on   XXXX   to remove this debt because I had not received a valid response from the collection agency Experian is  the only one  reporting this UNKOWN medical account and the only response they have given is a request that I provide the collection agency with the data that they do NOT have and were unable to verify. I would like this account removed as I have not received proof of this account as requested with communication with Experian. I also have letters and tracking numbers to when the letters were sent and when they were received. I look forward to having this resolved.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I used Experian 's shady site to see if I 'm affected by their massive data breach. It seems that I am. I want to complain about the fact that it happened and that the service they 're using, if it 's even legitimate, seems to just be a way to con people into waiving their right to participate in a class-action lawsuit. 
The entire thing is ridiculous.

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 09/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I want to know why Nationstar Mortgage , LLC was able to legally secure a Lender Placed Flood Insurance Policy with an annual premium in the amount of {$1600.00} on a XXXX mortgage with a principle balance of approximately {$3600.00}, when the previous year 's annual premium was {$44.00}, which covered their interest on my XXXX mortgage with a principle balance of approximately {$4900.00}. Not only did the annual premium amount change, but the coverage changed from {$4900.00} to {$180000.00}. I already had flood insurance coverage on my XXXX mortgage for {$180000.00} and the principle balance on that loan was {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX # XXXX and XXXX # XXXX are not mine due to identity theft. I have reported this information too credit reporting companies and STILL not off my record with them or court. I filed information with XXXX and again court and credit reporting companies have NOT removed this information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (KS).
Issue: Trouble during payment process

Complaint: We purchased a home through XXXX in 2015. We never missed or was late with payments. We later learned they transferred the mortgage to Roundpoint Mortgage Servicing. Again, we have never missed or been late with payments. If this is a " mortgage servicing '' company, do they own the mortgage or are they servicing it for XXXX. Neither will answer this question. The problem is Roundpoint is rude and difficult to deal with. They charge {$10.00} fee for using the automated system, which is absurd, but we used it once to make sure we were not late with the payment. Now they have sent us a threatening letter saying they will our bank information anytime they wish. I have explained to them we are calling our bank and blocking them from charging our account any further as they have they payment and {$10.00} fee. I only authorized a one time fee but they seem to think they can take whatever money they want. Most important - who owns the Mortgage?

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 11/29/2015 about Debt collection (Payday loan) with SYNCHRONY FINANCIAL (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The debt collector sent me an email with an 'arrest warrant ' on it. They also stated that they would be, " And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. ''

Company response to consumer: Closed with explanation