milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe XXXX XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or XXXX XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed 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 non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXXthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I made payment arrangements on XXXX XXXX Calls started up on XXXX XXXX I returned one call to explain payment arrangements were made. Supposedly it was n't documented correctly and she fixed it. I received another call. She said she would make sure the number was removed and it would n't be a problem again. A third call was made- again the claim that it was not documented correctly. This is harassment. I owe less than {$260.00} and said I make the payments until the debt is settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.

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 03/29/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I sold my house which was under mortgage by Bayview Loan Servicing. The payoff request/statement received from Bayview on the day of closing did not include the last payment that was made on my mortgage ( {$880.00} ). The title company responsible for the closing called Bayview and was told that the last payment had not been included in the payoff statement due to insufficient time between payment being made and payoff request being requested. I was informed that the overpayment would be returned within 21 days. 
It is now more than two months since the closing and I have not received any funds back from Bayview. 
When logging on to my Bayview account online it states that the last payment received was XX/XX/XXXX. This is the date when the second to last payment was posted. So it seems like my last payment which cleared on XX/XX/XXXX, is missing from their system. 
In XX/XX/XXXX I had a similar experience with the same mortgage company. All payments were made on time but still Bayview claimed that one payment was missing. I provided documentation of all checks to them clearing the bank, but Bayview refused any wrongdoing. After I filed a complaint with the Consumer Financial Protection Agency they finally admitted that the mistake was on their part and that they accidentally had posted one of my payments incorrectly. The funds was finally returned to me. 
It seems to me a similar situation has occurred again. I have documentation that the last check on my mortgage cleared on XX/XX/XXXX, but Bayview claims the last payment received was XX/XX/XXXX. 
Due to my house being under a bond for deed contract the mortgage payments have not been made by myself directly, but though a company called XXXX. XXXX have provided me documentation of the last checks to clear the bank. This will be attached to this complaint. 
I am surprised and appalled that a mortgage service company can do this kind of mistake multiple times and wonder if it is due to incompetence or if the company is trying to defraud their own customers for personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: Exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 how much interest for each cycle how do you calculate interest? answer clearly so i can understand please 18.95 % x principal x days? use my principal amount to explain is this a subprime loan?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I called USAA to initiate a deposit to my secured credit card account. After spending 15 minutes on hold, I was greeted by a representative who did n't seem to understand my request and said she did n't see any active credit cards. She then stated she could locate the account, but did n't think that I could make such a request. However, she said she would get me to the appropriate department to assist. I was then dropped back into the queue and made to verify my information for a second time. This representative was pleasant, but said she could n't assist with my request due to " system '' reasons. She advised she would get me over to the Executive Office. I was greeted by a representative who asked how he could help me. I restated my request for the 3rd time, and then was hung up on!!! This was a very terrible customer service experience. I 'm trying to rebuild my credit after filing bankruptcy, and a simple request to initiate a deposit to my CD account to increase my credit limit seemed to cause a lot of confusion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To Whom It May Concern : I have previously submitted a dispute on XXXX XXXX 2016 and XXXX XXXX, 2016 requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process XXXX account was verified and still displays information which is incomplete. 
The following is a list of inaccurate, incomplete information contained in the reporting of 1. XXXX Account was opened on XXXX/XXXX/XXXXhowever there is no payment history prior toXXXX/XXXX. 
2. Balance amount and high credit amount are conflicting XXXX XXXX reporting is incomplete and inaccurate infromation. Enclosed with is dispute is a copy of my driver 's license, a copy of the reporting, documentation of the certified letter

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Trouble during payment process

Complaint: In  XXXX  or  XXXX  of   XXXX  , Carrington sent me an escrow statement, and explained that my homeowner 's exemption had expired, which resulted in my mortgage payment being raised by over {$300.00}. They told me to g o to my county and ap ply for another exemption, send them the receipt from the transaction, and they would adjust my phkebt. I proceeded to go to the  XXXX  County Courthouse to file for another exemption, which was granted. I sent the paperwork to Carrington, and they told me that they could not accept it, a nd that the county need ed to send it directly to them  (  whic h the county doe s not do ). In the meantime, I was faced with paying the high payment due to them not adjusting my payment as they promised. They said that there was nothing that they could do, even after I tried to send them the {$1400.00} check tha t the county se nt to me as a result of the overpayment. They told me that I would just have to pay the higher payment that I could not afford until the next year. I countinuously called, and finally they lowered the payment a little bit by stretching the escrow shortage out over 24 months, and causing more interest accrual for that period. This is all in effort to make more money off of the customer. I then called at least 10 more times, which is documented in their system. I was calling almost every week since last  XXXX . They have been marking my veesoy report 30 days pat doe, because they set me up for an impossible mission of paying this high amount even though I tried to send in the escrow shortage, which they refused. My credit is now RUINED because of them, and I want them to own the mistake and fix the Lates on my credit. After months of being told that there was nothing that could be done, I called in last month, only to be told that they could have given me a forebearance in the first place. I am LIVID. Now I have to wait years for my credit to rebound because of a lack of competent customer service agents. Please help me fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: GOLD KEY CREDIT INCACCOUNT NUMBER : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXPHONE : ( XXXX ) XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Debt collection (Credit card) with Messerli & Kramer P.A. (ND).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have send several request to former law firm when was served papers by the sherriffs dept of a attempt to collect debt but have never received a response back w/requested proof & now it has been assigned to a new law firm. I have kept all emails send to prior law firm notes made on letters & print screens along w/mail receipt of formal letter showing letter was received from the prior law firm & now a new law firm is trying to attempt the debt. 
I am also sending them copies of the requested/papers sent to the prior firm for their review as of XXXX/XXXX/15 via the post office. 

I do not know who the debtor is that is why I have disputed the debt & requested proof as in the past I have had my SSN # stolen before I got my 1st credit card so am leary that it could have happened again & I stated that in my concern letter that was sent to the law firm. Legally they have to provide me w/proof of the debt & have not complied w/my legal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX Bank is a Fraudulent account that was setup as a result of id theft. I contacted both XXXX XXXX Bank and Equifax to notify them of that and ask they block it under the FCRA Section 605B and 623 ( a ) ( 6 ). Equifax responded it was deleted from my Equifax report, it however has now reappeared on XXXX and is stopping me from getting a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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: XXXX XXXX XXXX has continued to provide false information on my credit files. Trans Union and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my Transunion Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by Trans Union and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have asked several times about the XXXX forgiveness program and was told by several workers at Navient that I do not qualify. They should have a record of each and every time that I called in regarding this matter. I make my payment of {$180.00} monthly and all of this is being applied to the interest on the loan. I do not see my balance going down. I make my payments on time and been paying on this loan for almost four years. Each time I have called into the company no one is willing to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is still reporting XXXX tax liens ( public records ) that should be removed from my credit file. I have disputed this with them several times over the last year, sending them IRS forms 10916 ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Just recently, they removed XXXX of the XXXX tax liens, however they are STILL reporting XXXX of the liens. Please see the attached IRS documents supporting that these tax liens legally need to be DELETED from my credit file. Tax Liens that need to be deleted below : Case No : XXXX / SN : XXXX XXXX XXXX - XXXX XXXX XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL Case No : XXXX / SN : XXXX XXXX XXXX - XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am receiving phone call from a place called convergent  XXXX  inc. telling me I owe money to  XXXX   XXXX   XXXX   XXXX . The number they are calling me from is  XXXX . I called  XXXX  and they assured me they are not using this place as a collection agency. They never heard of them. They called me a couple of weeks ago and again today   XXXX  2017. I worked hard all my life and am now retired with a  XXXX   credit score.  Do n't want a place like this to ruin it for me. Need your help to stop this scam

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 11-09-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This is the last email I send about you not applying my payments for XX/XX/XXXX-XX/XX/2016 and removing the delinquents from my credit report. I am contacting CFPB on Friday XX/XX/2016 regarding you posting practices and how you have destroyed my chances of getting a loan for a property. I do not know the loan number since it was sold and paid off in XX/XX/XXXX. Then you returned the checks that were not applied. I need a response by Friday morning or I will be contacting CFPB, I have been writing you since XX/XX/2016, It should not take 8 months to get this corrected. OCWEN never applied my payments for XX/XX/XXXX- XX/XX/XXXX because I did not write the account number on the check. It was left in limbo and they sent the mail that I was delinquent to the wrong address and had all the mail returned to them. After years of paying on time, they will not take the delinquents off my credit reports, thus I am not able to obtain another mortgage. I sold the property and paid them off. I thought I would be able to purchase a new home in XX/XX/2016, it is now XX/XX/XXXX and I still ca n't get a mortgage because of them. I am virtually homeless, since I sold my home. I have been living with my mother, and my son and my daughter. I have called and written them several times to have it removed and to no avail. I need this removed immediately so I can get a place to live. It is unfair that such a careless outfit can determine my destiny.

Company response to consumer: Closed with explanation