milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. Sometime late XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. This XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ 18k. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Experian and XXXX never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.

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 09-09-2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Fraud or scam

Complaint: I contacted Rush Card via the phone. Informed the rep that I had several codes and ask which promo would be bet for direct deposit. Gave the code, waited. Had problem setting up the direct deposit. Finally did and did n't receive XXXX $ sign on bonus. From XXXX I called daily being given th4e run around. I was told my code was invalid, I would receive the bonus. Needless to say when I informed the rep I was recording her rudeness she hung up. I was physically writing down her comments. I was repeatedly lied to and informed that I had been escalated and promised resolution and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Student loan (Federal student loan servicing) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I got the loan put on my credit card even though I am still in college and can not pay it off. I can not take out other credit cards and improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX XXXX, XXXX, XXXX.. 
No need more.. please Help me.. 
I think im victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX. I checked my credit report and saw there was a new collection on my XXXX report.I called the company 3 times and 2 times was hung up on. The 3rd time I ask the collector what address the validation notice was sent he stated did not have an address . I was informed that there where other debts of mine in there office and it was not reported to the credit bureau .He hung up on me . Texas has not reported any of my medical debt before I was told they do not. Violation of the FCRA and FDCPA for abusive behavior ..Continue to hang up and not try to resolve the issues..If they report to the credit bureau they must report all DEBT as of today the only report is for XXXX XXXX from XX/XX/XXXX the others have not been reported they can not pick and choose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Unexpected or other fees

Complaint: Could not integrate capital one account to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX XXXX began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX to all bureaus

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 12-01-2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Trouble during payment process

Complaint: USAA Fed Savings Bank issued my mortgage ( XXXX XXXX ). In XXXX USAA hired a sub-contractor ( XXXX XXXX XXXX ) to service the loan however I still am required to pay to the order of USAA FSB. I have paid my mortgage at least XXXX month early since the initiation of this loan ( XXXX XXXX ). For over two years, since XXXX was brought on as a mortgage servicer company, they, USAA and XXXX, have falsely/incorrectly adjusted my mortgage due date, always due earlier, I believe, in an attempt to mislead me and make me think my payment is late. I have contacted both companies who have responded to me however the practice continues every month to every two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Medical debt) with Activity Collection Service (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I noticed inaccuracies being reported to XXXX and XXXX credit bureaus by XXXX XXXX XXXX, I for services provided XXXX XXXX XXXX XXXX and XXXX XXXX. I 've never had any Services provided by this XXXX that was n't paid for. Therefore I disputed the information back in XXXX when the error occurred and it was removed from all credit reporting agencies however now I noticed that it reappeared on XXXX and XXXX only. Therefore once again I disputed the charges with the credit bureaus on XX/XX/XXXXand sent the collection agency a letter asking them to verify the debt or remove it from my credit reports. Unfortunately there 's been no action done to verify the debt or being remove from my credit report. My credit report shows remarks that debt is being disputed however it has went away. Therefore onXX/XX/XXXX I tried calling XXXX XXXX XXXX, I to provide my contact information and request a copy of the bill I was being charged for. The representative that answered the phone was extremely rude and very disrespectful to me accusing me of not paying my bills and he started yelling over the phone. I was asking him to send a statement with a summary and description of balances owed. Representative who answered ask me very rudely " What are you going to do with the information '' " Are you going to pay the bill he ask ''. I just repeated my original request and ask for a copy to be sent and that when he lost control and demanded that he 's not sending a bill and he 'll provide me with the information to pay the bill and over the phone. I hung up the phone because I did n't think I deserve to be treated like this for trying to solve a problem that 's already impacting my credit report. I feel something 's not right because he did n't try to call me back however they also never corrected my credit report. Please assist because they only thing I 'm trying to do is clear things up however I have absolutely no records showing that I ever had Services provided that I did n't pay or co signed for anyone else 's Services.

Company response to consumer: Untimely response
Consumer complaint received 12-07-2015 about Credit card () with U.S. BANCORP (CA).
Issue: APR or interest rate

Complaint: USBANK charges me XXXX dollar " minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of XXXX includes a XXXX dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a XXXX dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with AmeriCollect (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was homeless during XX/XX/2014. During this time, I was caught in freezing rain and went into a police station as it was the only nearby public building and I was near XXXX. I was unable to think or communicate clearly, and requested a cup of coffee and a place to sit.

They called the local XXXX, which were connected to the building. They took 45 minutes to arrive, and upon arrival told me that I was not XXXX  and needed no assistance and left.

A few months later, I received a letter stating there was a {$200.00} bill sent to collections ( Americollect ). The bill detailed the XXXX 's arrival as being {$190.00}, and their use of a pair of disposable gloves as {$5.00}. I contacted the collection agency and disputed the claim, but it remains on my account and I continue to be contacted by them regarding this collection.

This is an unfair charge, as this was both against my wishes and an unreasonable charge. This has affected my credit score for years, and the collection agency Americollect refuses to negotiate this in any form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Greetings, I am a resident of NC and a home owner that has had some hardship as having no employment to working XXXX jobs to keep my home. Ive submitted a loan modification to OCWEN a loan bank to please make adjustment accordingly to my income and adjust my interest rate to be affordable. However, they have denied and proceeded with attorney to for foreclosure / or short sale. I submitted paperwork and documents requested, paystubs employer statements over and over and they down play my income and deny any options. By the time you receive this i would hope that I am not put out. I would hope that they consider this is where i live. I want my home and I surely will pay. I only asked for a lower interest rate and an affordable payment. What affordable XXXX XXXX dollars with an interest rate of at least XXXX. 
They told me not to go to court that they would delay the foreclosure when in all I should have went and talked to the Judge. It seems they want me to lose the home giving such misleading advice.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with Account Control Technology, Inc. (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company harassed my neighbor for me to call them back. No idea who they are and when I tried to call and get information, they wanted my Social Security number. I asked what kind of company they are and they wouldnt even say that. Hung up and blocked numbers after that. Im guessing some type of harassing debt collector. They did not attempt to call me directly and told my neighbor that she is my contact person, which is false since I dont even know her number or last name. 

They called from 2 separate numbers and she blocked them on her phone. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with Franklin Collection Service, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX has acknowledged that they incorrectly billed me {$260.00} for account number XXXX. However, XXXX XXXX   ( FCSI ) continues to try to collect this amount on XXXX XXXX XXXX behalf even after being notified and shown a letter from XXXX XXXX XXXX stating that I do not owe the amount. FCSI has fraudulently reported the debt on my credit report causing my credit score to go down by 16 points.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit card () with U.S. BANCORP (WA).
Issue: Delinquent account

Complaint: I have a credit card account with US Bank that I attempted to cancel at least five years ago. I learned by way of a credit monitoring alert that US Bank had not in fact canceled my account, despite my request. ( In fact, the account remains active even after my second written request. ) Although I had not charged anything to the account since I attempted cancellation, it incurred an annual fee that I did not pay, and thereby resulted in a 30- and 60-day delinquency that was reported to credit bureaus. I have sent two letters to US Bank requesting a discussion of this misunderstanding/error and a fair resolution. US Bank is utterly inaccessible and unwilling to discuss a resolution to this matter with anything but unsigned form letters.

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 07/14/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: VA paid for an emergency visit. For service connected vet the credit people post the debt as the vetransand shows collections .same with forgivin student loan. Shows serious delinquintcy in all XXXX cases and ruined credit. The student loan is 15 yrs old the originators of the emergency debt even wrote a letter requesting it to be taken off with no avail. Help

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I will respond to XXXX XXXX XXXX correspondence dated XXXX XXXX, 2017. That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts

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 07/19/2016 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: USAA Federal Savings Bank agreed to a settlement with XXXX XXXX, our primary lender in a letter dated XXXX/XXXX/XXXX ( attached ) to do a DIL on our home. USAA agreed to accept a settlement from us in addition to a settlement offer from XXXX XXXX ; this letter from USAA had a suspense of XXXX/XXXX/XXXX. We vacated the home on the agreed upon date of XXXX/XXXX/XXXX and have not had access since as the locks were changed. 

On XXXX/XXXX/XXXX we sent our check to USAA which was cashed by them on XXXX/XXXX/XXXX. XXXX XXXX sent their check to USAA which was received by them on XXXX/XXXX/XXXX, four days past the original suspense which has caused some confusion. NOTE : USAA cashed the check from XXXX in addition to our check. 

Our lawyer representing us has contacted USAA almost weekly since XX/XX/XXXX and has been told the loan release is being worked and they will get back to us within 48 hours. It is now almost four months since USAA has been paid but they have still not sent a release to XXXX so we can completed this DIL.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Medical) with United Collection Service, Inc (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX and request " reasonable accomdation '' to help me submit this " ambulance ride '' for " medicaid retroactive payment '' as I am unable to do so myself AND this debt is a direct result of my XXXX AND I WAS covered by medicaid " retroactively '' on XX/XX/XXXX. Thankyou.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I use XXXX XXXX and was notified today XXXX that someone accessed my credit score without my consent.

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 05/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow account had {$380.00} when I paid off this account. 
My refund from this same account was {$360.00}.

Company response to consumer: Closed
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I RECEIVED A NOTIFICATION THAT MY CREDIT DROPPED  XXXX  POINTS DUE TO A NEW " COLLECTION '' ADDED TO MY ACCOUNT. WHEN LOOKING AT THE INFO. I PAID MY BALANCE OFF WITH THAT COMPANY BACK ON  XXXX / XXXX / 2017 . I DO NOT OWE ANYTHING TO  XXXX   XXXX . I HAVE INFORMATION SHOWING I HAVE A  XXXX  BALANCE AND OWE NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and XXXX indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.

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 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX XXXX XXXX XXXX XXXX account that were opened XX/XX/XXXX paid off and closed XX/XX/XXXX. I had a very good history with the credit union in paying my accounts. At this time Experian Reporting Agency is reporting my account negative. I reached out to one of the Representative at Experian and they stated they were working on my investigation. I call back 2 weeks later and the Customer Service Representative stated that the investigations were completed and I will receive a copy of the report in the mail. I reached out and ask her about the XXXX XXXX XXXX XXXX accounts and she stated that they were removed from my reports. Around about 4 days later I received my reports and the XXXX XXXX XXXX XXXX account were still reporting negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation