milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

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 05-02-2017 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 sent numerous requests to experian to provide proof of verification of   XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA Act, the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the   XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX allowed my information to be obtained by unknown parties without my consent potentially resulting in fraudulent action being taken with my personal information in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: My name is XXXX XXXX XXXX. I sent Tower Loan a letter asking them to stop calling my work place XX/XX/XXXX, and they continue to do so, even calling my former workplace. Below is an e-mail that I received from my former job : Hello XXXX : I appreciate the message. I have asked them to stop calling. Also, I am contacting the consumer protection agency for them to stop calling. You can report them if they continue to call : http : //www.consumerfinance.gov/. 

Thanks, XXXX From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX To : XXXX, XXXX XXXX XXXX ; Subject : FW : Voice message from XXXX to XXXX Hi, This person seems to be trying to track you down. They called me again today. 

XXXX XXXX XXXX | Recruitment & Retention Advisor | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone : XXXX ( Pronouns : She/Her/Hers )

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 04/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage is held by Nationstar Mortgage. We went into XXXX XXXX bankruptcy in XXXX XXXX. One of the conditions for our successful discharge in XXXX XXXX is that creditors must report to the bankruptcy court that we had fulfilled all our obligations in a timely manner. Nationstar reported that we had done so. 

However, now Nationstar is stating we are in default on mortgage. They have " suspended '' our payments because of {$170.00} in fees that are past due. We have had XXXX different conversations with XXXX different representatives, even though we ask to speak to the person we spoke to the previous discussion. We have now had XXXX different explanations as to the source of the fees and charges and NONE of them are ever the same. We also receive verbal assurance that the " fees '' are in error and that the customer service representative we were speaking to at that time had removed the " fees '' and corrected our loan status. However the phone calls and emails have continued, stating we are in default. 

We have not received a monthly statement in years so when our case was discharged all of a sudden we start getting default notices etc., for these fees that were never disclosed. 

It turns out that a number of these " fees '' were are supposedly connected with the bankruptcy filing. They have been sitting there for years. If these fees were part of or as a result of the bankruptcy, they should have been declared to the court. If they were after the filing, they should have been communicated to our lawyer and to the bankruptcy court as unfilled obligations before discharge. 
We have documented names, dates, call transaction numbers and other details. 

We have acquaintances ( names on request ) that also have Nationstar as their mortgage holder. They claim their accounts are mishandled in the very same way.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: My Costco credit card was unfortunately transitioned from XXXX to Citi. I was enrolled in both e-statements AND autopay with XXXX. When the card transitioned, my balance moved to Citi and I was unable to access my account on XXXX. I waited until I received my new Citi card before I could set up online access with Citi. However, by the time I got my new Citi card and was able to set up online access, my payment due date had already passed. Citi never sent me a paper or email statement so I could pay the bill and I did not yet have access to the Citi website to pay my bill. Citi did not, however, port over my auto pay enrollment, so my payment is now late. I am trying to call Citi to resolve the issue, but I have been on hold for over 15 minutes without an indication of when I might be able to speak to someone. Citi does not offer to have somebody call me back once a call representative is available and they do not give wait times - rather, they seem to expect customers to wait on hold indefinitely to fix problems arising from their poor transition.

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 01/25/2018 about Debt collection (Other debt) with Pinnacle Asset Management, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.

Company response to consumer: Untimely response
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas Experian and XXXX to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LendKey Technologies, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed a letter to LendKey on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I suspect this is fraud. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for credit from them. I have not heard back from them yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a student loan with XXXX XXXX XXXX on my Equifax Credit Report which states the status is " wage earner plan. '' That is incorrect ; my Chapter XXXX was converted to a Chapter XXXX and was dismissed in XX/XX/XXXX. Since student loans ca n't be discharged in bankruptcy, this loan was subsequently paid as agreed. The attached credit report from Equifax says the date of my XXXX delinquency was XX/XX/XXXX. That is incorrect. That is the date I filed my Chapter XXXX, which was subsequently converted to a Chapter XXXX, and thereafter it was paid as agreed. I have also included a copy of my XXXX Credit Report as proof that this loan was not delinquent. The bankruptcy status on the Equifax Report is throwing my account into a negative status. If the account is being paid as agreed it should not be in a negative status. They ca n't have it both ways - either I 'm in a positive status or a negative status. The bankruptcy notation should not be on this item as it was not discharged through bankruptcy and it was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Making/receiving payments, sending money

Complaint: Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with U.S. BANCORP (OH).
Issue: Advertising and marketing

Complaint: I received an offer to open an credit card with USBank, which they did not honor. The offer stated that if I spend {$1000.00} within XXXX months, I 'll receive a {$200.00} statement credit. I received {$100.00} after spending {$500.00}, but did not receive the full {$200.00} after spending {$1000.00} within XXXX months, which is sooner than the offer required. I called them and was eventually told I needed to fax the original offer letter to them to prove that I was supposed to get {$200.00} after spending {$1000.00}. After faxing it, they still refused to give me the remaining {$100.00}. They stated that they placed me in a separate promotional offer with a lower APR, which offered only {$100.00} after spending {$500.00}. USBank said I would need to reapply for the credit card in order to get the offer I originally applied for. I can not do that due to the negative affect it may have on my credit score. Plus, I do not know if I 'll be placed in the same program again. I am looking to purchase my first home within the next year, and I do not want the additional credit request to negatively affect my score. USBank refused to fix this situation for me even though I faxed to them the original offer letter. I felt like I was fraudulently given an offer in order to bait me, upon which I relied, then changed the offer without informing me until I called about why I was not awarded the {$200.00}. I was then given something cheaper and of lesser quality. The application for this credit card negatively affected my credit score, which I thought would be fine due to the additional {$200.00} that I should have received, but instead I only received {$100.00}. I used the promotional code that was on the original offer letter when applying for the card online and was approved ; I spend the required {$1000.00} within the first XXXX months of opening the credit card ; and I faxed the offer letter to USBank to show what they had originally offered me. Yet they refuse to fix this problem for me. I have the offer letter and all bank statements showing I spent {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Credit determination

Complaint: Signed up for a Lowe 's Consumer Credit Card, managed by Synchrony Bank. Signing up for " paperless billing '' apparently means " do not send any statements/alerts whatsoever ''. Eventually XXXX I forgot about a balance, and had a late fee plus interest. Also XXXX I had to " opt in '' to receive email statements/alerts. I paid the balance in full. Receive an alert a couple weeks later that there is still an outstanding balance on my account. I see Synchrony Bank actually charged me interest on the balance I paid in full. I immediately called and spoke with XXXX XXXX rep ID # : XXXX ) ; she waived the interest, removed the late fee, and canceled my account. I would like an official agency to investigate their business practices, because this seems like a scam ; " let 's see how many people we can straight up steal money from! If they complain, give them their money back no-questions-asked, but if they just pay, keep charging them! ''

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 09/27/2016 about Debt collection (Medical) with State Collection Service, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The information is false and it should not be on my account I have contacted the hospital and they have no recollection of me being in the hospital on that date

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (PA).
Issue: Managing the loan or lease

Complaint: I took out a personal loan with Wells Fargo XX/XX/XXXX. I have several issues with the bank, which continue to be unresolved. So I will address only one issue at this time. My monthly payment is {$210.00}. Enclosed, please find that on XXXX/XXXX/XXXX, a payment was made and the entire payment of {$210.00} was applied only to interest. In addition, the balance never decreased due to this mistake. It still appears as {$5000.00}. The bank agreed to correct the mistake, but then changed it back to the original error. I am asking for assistance with the banks error. Thank you.

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 11/21/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Prior to our involvement on this file, the borrowers sought a loan modification XX/XX/XXXX. The modification trial planned payments were unaffordable and the modification was denied. After nearly two years of mediation with no success, the borrowers came to us to facilitate a successful short sale. Since we have begun working on this file XX/XX/XXXX, Ocwen has scheduled XXXX foreclosure sale dates and cancelled each of them. The offer was sent in XXXX/XXXX/XXXX and Ocwen confirmed receipt. Following this confirmation, Ocwen then denied having the package on file XX/XX/XXXX insisting that we were wrong. We resent the package again on XXXX/XXXX/XXXX. We were told multiple times XX/XX/XXXX and XX/XX/XXXX that the file was still in loan modification and they were working on getting it denied. 

On XXXX/XXXX/XXXX, we were told that the documents were under review for short sale by XXXX XXXX. Three days later on, XXXX/XXXX/XXXX, we were told that the file was not in Short Sale Review and was instead still in Loan Modification review. The representative at Ocwen told us to have the co-borrower sign a Quit Claim Deed for the property and that they would continue the modification review without her information. The recorded Quit Claim Deed was sent into Ocwen on XXXX/XXXX/XXXX. 

The file was escalated on XXXX/XXXX/XXXX and was with the underwriting team with no new documents requested at that time. The third foreclosure sale date was put on hold and Ocwen was processing the file without the co-borrower 's financials the following day, XXXX/XXXX/XXXX. 

However, on XXXX/XXXX/XXXX, Ocwen demanded the financials again and let us know that the file was in review for Loan Modification - again. The Request for Mortgage Assistance was sent in several times, each time requesting short sale and acknowledging the vacant status of the home. 

While we respect the policy of the FHA reviewing for loan modification, we see no point in continuing the process for several more months when the seller has attested to its vacant status. The vacant status has also been verified via the BPO report. 

The submission of retention denial letters, a removal of a borrower from the title, and the vacancy status of the home should all warrant automatic denial of the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: OnXX/XX/XXXX, my student loan account with Navient was open for repayment ( date stamp was included in the loan details on my online account ), and I enrolled in AutoPay in the amount of {$210.00}. 

OnXX/XX/XXXX, I logged onto my account. The date stamp onXX/XX/XXXX stating that my account was open for repayment was gone and I had been placed on administrative forbearance. I did not request a forbearance. The remark " payment deferred '' was added to my credit report, and has been flagged as item that lowers my score. Again, I never requested forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had a XXXX account that went to collections approximately 4 years ago which was included in a Chapter XXXX Bankruptcy that was subsequently discharged. I had my credit run the other day and noticed the prior collection agency " Sold '' my account to " Convergent Outsourcing ''. This company reported the discharged debt as a " NEW COLLECTION ''. I was NEVER notified regarding the debt either. I happen to have my credit checked and discovered this disturbing reporting. I know that it is illegal for a Collection agency to report to credit bureaus as a " NEW '' debt. I also checked the report at the recent inquiries and their information was NOT there either! 
I am requesting this be completely removed from ALL XXXX of the credit bureaus. This is a violation of my rights and violates the FCRA as well, not to mention this has affected my personal credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.

Company response to consumer: Closed with non-monetary relief