milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I moved out of XXXX XXXX XXXX 2014. Almost a year later I received a letter from a debt collection agency seeking {$5900.00}. I had no knowledge of my debt. Under the fair credit reporting act, XXXX should have made a goodwill effort to notify me of the debt before sending it to collections. They had my phone number and forwarding address, yet failed to communicate and give me a chance to pay any debt, as well as dispute inaccuracies. Because of this I have been denied XXXX apartments and it has severely affected my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: For a billing statement XX/XX/XXXX, I had a due date of XXXX XXXX in the amount of {$100.00}. My payment of {$110.00} XXXX overpaid ) did not clear the bank until XXXX XXXX which made me 1 day late and caused me to have a {$35.00} late fee added to my card. I did not receive a bill in by the XXXX week of XXXX, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for {$30.00} over the phone. I later found that no payment had been accepted when I got my statement for XXXX. I immediately called and paid {$35.00} on XXXX XXXX and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on XXXX XXXX for the amount of {$270.00}. 

I had a payment due by XXXX XXXX before it was considered 30 days past due. I made a payment by phone on XXXX XXXX and I was told the payment went through. On XXXX XXXX I received a letter in the mail saying that the payment did not properly go through. When I called the billing department they told me that the system showed my payment on XXXX XXXX. They also told me that on XXXX XXXX it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before XXXX XXXX. And if I had been notified by phone ( on the XXXX ) of the issue then I could have still paid the bill before XXXX XXXX. 

After having the issue in XXXX, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the XXXX " late '' payment. I am now showing a 30 day late payment on all XXXX credit bureaus for XX/XX/XXXX because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from {$1800.00} to {$100.00} after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (NJ).
Issue: Managing the loan or lease

Complaint: I originated a Discover personal loan at {$4500.00} 6 or 7 months ago have made XXXX payments = $ XXXX on time never late and show owing $ XXXX bottom line is the interest being charged is shady. In review of statments some payments the bank took {$20.00} and applied to principal and the remaining {$95.00} is applied in interest? The on other statements its more evenly distributed. Is this fair? The bank can chose to randomly change the amount of principal and intrest applied from payment? Had i known it wasnt going to be an even and fair disribution of my payment i would of never took out this loan. There is no where to view the actual $ amount charged in interest on the loan. The bank only shows how much of the payment they applied to interest not how much was charged. Its shady and DISCOVER PERSONAL LOANS should be held accountable. I feel like ive paid an accessive amount of interest for only having originated this {$4500.00} loan 6 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries 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 08/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of.You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Equifax, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXXXXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 attached my letter to this complaint in reference to TransUnion. 

They have failed to remove the inaccurate accounts that are listed on my letter. In addition to that- they have failed to re-investigate the account based on Section 1681 of te Fair Credit Reporting Act.

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 03/23/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I unfortunately have my mortgage through LoanCare LLC. We bought our home in XXXX. This company did not pay our taxes in XXXX, and we had to call multiple times to have them pay in XXXX. Well our XXXX tax statement comes out and low and behold only our XXXX taxes that were paid are in that statement. We should have a statement with both XXXX and XXXX taxes that were paid. I have reached out to them 4 times with this issue and no resolution. It has been " sitting '' with the tax department for the last month and a half and nothing has come of it. The customer service reps are rude and nasty and just through you around in circles.

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 01-04-2016 about Mortgage (Conventional fixed mortgage) with IBERIABANK (LA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a small mortgage through Iberia Bank ( on XXXX XXXX in XXXX XXXX ) in early XXXX. I sold my current condo in order to pay off all of my debts ( $ XXXX ) and lower my monthly expenses. The condo I found was $ XXXX and I had $ XXXX cash to put down ( 50 % ). My credit score was very low so XXXX XXXX at Iberia Bank said that he could work with me to qualify for a loan because my debts would be paid ( see e-mail attachment # 2 ). He was hard to reach, did n't return calls, and the process dragged out for a month. My brother was willing to either co-sign or take on the mortgage himself as he owns a small construction company, several houses, and has a credit score of XXXX. So XXXX talked to him and asked him to submit all of his information ( XXXX pages in all ). 
He faxed it to Iberia on XXXX XXXX at XXXX. The next morning about XXXX I got an e-mail from XXXX . No greeting, no closing, just one sentence, basically " you do n't qualify and neither does your brother ''. ( See attachment e-mail # 1 ) No explanation, no signed form, no phone call. I 've attached XXXX e-mails showing this unprofessional ( and illegal in terms of nothing in writing? ) behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: EXPERIAN HAS REFUSED TO DELETE A COLLECTION ON MY REPORT THATS BEEN IN THERE FILE OVER 27 YEARS. FEDERAL LAW THIS COLLECTION TO BE DELETED AFTER 10 YEARS. 

THE COLLLECTION ACCOUNT THATS BEING REPORTED IS : XXXX/XXXX ACCT # XXXX SINCE 1991

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to get a loan modification ( either in-house or through the XXXX ) on my mortgage loan since XXXX. My loan was originated with XXXX back in XXXX. Of course, XXXX took over the loan and began to service it. I requested a loan mod with XXXX in XXXX after I lost my job. They told me that I would not qualify for a loan mod because I would not meet the income requirements due to the fact that I was out of work. They suggested and I agreed to allow they to place me in a loan forebearance program. They stated that I could apply for the XXXX loan mod once I was back to work. I went back to work in XXXX after being out of work for 10 months. So I contacted XXXX to request a loan mod. They sent the paperwork to fill out. I completed the paperwork and sent it back. They would repeatedly send me change Asset Managers on me where I would restart the process. They finally sent me a letter stating that I did not qualify for the XXXX because my investor was not participating in XXXX. I requested that they send me documentation for my investor. They sent a letter stating that XXXX was my investor. I contacted XXXX about my loan and they stated that they were not the investor on the loan but the trustee for the security that my loan was in. When I asked who owned the security, they verbally stated that XXXX owned the security. In XXXX XXXX, while in the process of sending in another set of documents stating that they would be transferring my loan over to Bayview Loan Servicing , LLC . So in XXXX XXXX, I contacted Bayview to request a loan mod. They sent the paperwork. I completed it and sent it back. They are telling me that my investor has not given them authorization to modify the loan ( in-house or through HAMP ). They stated that I would be able to do a short sale, deed in lieu of foreclosure, or bring the loan current. I am not in a position to bring the loan current. I know that XXXX ( if they are indeed my investor ) is participating in XXXX. I am really frustrated with this unethical behavior of XXXX and Bayview. I believe that they are lying about what options are truly available to me. I need help to stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: had late payment for capital one auto loan reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Affiliated Creditors, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed this unauthorized inquiry dated XXXX/XXXX/2016 on my Equifax credit report by XXXX XXXX multiple times and have provided a copy of the creditor 's request to remove the inquiry, yet Equifax refuses to remove the unauthorized inquiry. The creditor verified the inaccuracy via recorded phone call and thus have written a letter to Equifax and the other XXXX major Bureaus and Equifax is the only one who will not remove the inquiry despite of the creditor 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 02/22/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with SPS for over a year in trying to save my home from Foreclose. I continue to do everything that they ask of me, yet I am still getting the run-a-round. It took me from XX/XX/XXXX - XX/XX/XXXX, after sending the same documents over-and-over again, to finally get SPS to confirm they have a complete application and that they would need 30 days to review, that was back in XX/XX/XXXX! But now, SPS is claiming that they need more information, they claim that my son 's contributions have not been verified! How can this be? It 's been verified 2 prior times ... why does it need to be verified again. Also, my relationship manager, XXXX XXXX, who is suppose to be my single point of contact is NEVER available, and when I call I always get someone else! Today we spoke with XXXX XXXX at ext XXXX who was rude, unhelpful, condescending and combative. We asked that we speak with a manager or supervisor and she refused only to give us a separate number to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. 
Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}

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 08/24/2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (MA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from an " Unknown '' number claiming I was being brought up on charges for check fraud. They also called my mother. XXXX XXXX left a voicemail so I called the number she left XXXX XXXX ext. XXXX ) and tried to get information from XXXX XXXX who says she works for ARA the Process and Summons division at my XXXX District Court. She told me she was sending people to my house and every address she had on file until they found me ( I felt threatened ). She was extremely rude, told me she does n't want to talk to me to just go to court because I ca n't pay my bills and to " get off my line '' and hung up on me when I asked for a validation notice and the name of the company and address.

Company response to consumer: Closed with explanation