milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JH Portfolio Debt Equities, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filled fraud on my social security number already and still none of the negative reports are off my report. I 'm looking at this report and it look like it belong to someone else. Some of it simply is n't mine and some is very old and should be off no matter how times it get sold to different collection agencies. For example : XXXX XXXX XXXX on page 11, I 've never heard of, and even from this report it should be off. XXXX XXXX XXXX is at 16 years old and should be off my report.XXXX XXXX # XXXX # XXXX # XXXX I know nothing about and is false, Never heard of XXXX XXXX # XXXX before and should not be on my report, Never heard of XXXX XXXX XXXX # XXXX, and should n't be on my report, have not had an account with XXXX XXXX # XXXX, which is reporting here under the name JH PORTFOLIO DEBT EQUITI. # XXXX XXXX of these things I do not know of and is fraud and should not be there. Some are too old to be there as well. XXXX XXXX XXXX XXXX XXXX # XXXX is false those are false balance owed. I am also requesting the inquiries be taken off my record as well, because I have not applied for credit of any kind from anyone to explain all these inquiries. I have filed identity fraud on my social security number, and had a fraud alert put on my credit. I am amazed at all the false reports on 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 06-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that XXXX did not report this to you but XXXX did there is a not a court in the country that verifies the stats of a Judgment. I called the XXXX court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka XXXX the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds

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 06/30/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I surrendered my home at XXXX XXXX XXXX in XXXX XXXX Illinois to XXXX Portfolio Services on XXXX XXXX, 2015 per their Deed in Lieu protocol. 
I eventually received my relocation assistance XX/XX/XXXX after numerous phone calls in which I was given false or no information. 
As a result of this unnecessary vacating the property ( it is still empty 10 months later ) I was forced to spend on HOA payments ( they are seeking over {$2000.00} from me ), duplicate utilities and expense of physically relocating I find myself in financial hardship once again. 

I could still be living there with my assistance in tact had SPS not forced me out and caused me to deplete those funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: I have contacted you before in reference to wrongful interest charges on my account. This has been resolved but ever since they re-opened my card account they stopped sending me statements. I had no idea when my payment was due until i received an email stating it was late and they would charge me a fee! 
now i have been charged with TWO late payment fees that i was NEVER told about. Top it off my min payment went from XXXX to XXXX to XXXX a month how does it jump like that?!!?! 

the promotion is supposed to be INTEREST FREE and i am getting billed for interest as well! 

i demand my fees returned and my min payment to be back to XXXX i can not wait to pay this ridiculous bank off and never ever deal with them again worse customer service ever

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 06/13/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Shopping for a loan or lease

Complaint: I did not authorize the credit inquiry dated XXXX/XXXX/2015 to Capital One Auto Finance and ask that this inquiry be removed immediately as I did not authorize it and is a fraudulent Inquiry.

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 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: I have sent Experian several identity theft reports with proper identification and Federal Trade Commission identity theft reports about XXXX XXXX XXXX account. This is NOT mines and asked them several times to remove accounts from XX/XX/XXXX to present through various official agencies including the federal trade commission, police reports, etc. Experian failed to remove XXXX XXXX XXXX account and is considered to be in violation of the fair reporting act. I would like this to be investigated and XXXX XXXX XXXX account to be removed from my Experian credit report 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 05/27/2015 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: " I would like to formally dispute the way XXXX XXXX XXXX Loans Account # XXXX is reporting the mortgage I had with them in the past. They are still reporting it as a foreclosure but will not update it to show that the account was eventually settled through a short sale in XXXX. This same account was transferred to XXXX and XXXX is reporting it accurately. I 've uploaded XXXX page of my recent credit report which shows how both XXXX XXXX and XXXX are reporting the same account ( the XXXX reporting is just underneath the XXXX reporting ). XXXX added the key verbiage " Creditor Settled for less than amount due ''. That is the standard verbiage used to reflect a short sale. For some reason, XXXX XXXX does n't want to do that. Furthermore, when I submitted a formal request to XXXX XXXX in writing to ask them to correct this a few months ago, not only did they refuse to correct it but they actually compounded the error by reporting that they started foreclosure proceedings XX/XX/XXXX which is completely wrong! They need to adjust the history so that nothing derogatory is dated on their reporting after that short sale which ended XX/XX/XXXX which is how XXXX is reporting it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: On XXXX XXXX I was traveling with XXXX XXXX on a ZED standby ticket. I attempted to access the XXXX XXXX XXXX XXXX mins before my flight. The XXXX agent working the XXXX XXXX check-in did not know the policy about Citi XXXX standby tickets and went above and beyond her duties to call the Citi XXXX customer service number on the back of my card to speak with Citi to determine if I should have access. The Citi representative gave false information to the XXXX agent about the eligibility of standby tickets and XXXX refused to grant me access to the club. Clearly in the terms and conditions of the Citi XXXX card it says " XXXX cardmembers must present a stand-by ticket or boarding pass, showing an XXXX, XXXX XXXX XXXX , XXXX, or an XXXX Connection carrier flight number, valid for travel on such flight. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: This online credit loan company needs to be shut down! They are taking advantage of consumers who are trying to rebuild their credit after a bankruptcy! They are given high interest loans ( 126  % ) interest ra tes! They can not be taking advantage of the  XXXX    XXXX   and  XXXX   XXXX  personnel who need money to pay for bills and financial hardships that arise!     I will not pay this loan back in the amount of  XXXX . If they lower the interest ra tes to 10-15 %, then I will pay have the loan back! This company is a modern day, moffia loan sha rking company!

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Other mortgage) with REGIONS FINANCIAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Modification that has gone XXXX for over XXXX months. Several conference calls with the XXXX ( VP ) ph XXXX : XXXXXXXXXXXX incorrect. Per conference calls with borrower and VP, he would insure the escrow was calulated correctly ( admitting fault ) and Perm Mod ( documents just received today by borrower ) for her signature is MORE than the amount discussed. The issue primarily with all modifications is the lender is hold the money in a que, charging a fee to call in to make payment ( can not make payments online during a modification ). The statements the borrowers receive shows no payments - foreclosure department is not notified or " In sync '' and many people I know were foreclosed in the middle of making ONTIME mod payments. 
This needs to be escalated because the borrower was promised the re-calulation by the VP and still wrong. Now the borrower does not know what to do.. she could not afford the payment to begin with and that is why she applied for a modification - but if escrow ( insurance THE LENDER CHOSES ) is high and the borrower finds another policy that is less expensive, why should the borrower be penalized? The perm mod documents are near the same as her ORGINAL mortgage payment. Makes NO SENSE. Needs investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WA).
Issue: Managing the loan or lease

Complaint: Due to very poor customer service, we decided to refinance our XXXX Chevy Camaro to close the account with Wells Fargo. I spoke with Wells Fargo to obtain a 10 day payoff and then call XXXX with the payoff amount. XXXX stated there has been issues with payoffs from Wells Fargo and they then called 1/2 hour after I did and was told XXXX more than I was. After XXXX obtained the " correct '' amount for a 10 day payoff, we completed the paperwork, we obtained a loan XXXX more than the 10 day payoff so we could use the additional funds for a purchase we wanted to make and the payment was sent and received by Wells Fargo the very next day. The account was viewed online and it showed my balance owed as XXXXand the payment of XXXX that was received. They then added on XXXX different interest charges over and above the 10 day payoff that was actually paid off in 2 days. Instead of the XXXX I purposely overpaid, I received back XXXX!!! I called them and questioned the additional interest they added and they said they had the right to do so. When I said I was going to file a complaint I was told that was fine and ended the call. I was also 1/2 a car payment ahead due to adding extra to each payment, no interest was due as I had just paid my loan for the month.

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 05-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient  misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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  Disputed {$1000.00} collection on my  XXXX  and Experian reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX   XXXX  sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the  XXXX  removal to Experian  XXXX  Checked my credit reports and both   XXXX    and Experian had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX   XXXX  reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidenc e to   XXXX  and Experian to dispute again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband placed a purchase with XXXX XXXX and they canceled the order stating I had a past due balance with them. So I called XXXX XXXX and they said they sent the account to a collection agency and could n't tell me what the balance was for or what the balance even was. So I asked how can you as the original creditor tell me I had a balance with you but you have no information. A asked why I never received statements the rep said they do n't sent out statements. I need validation of this debt.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B EXPERIAN AND   XXXX   XXXX   HAVE REMOVED THE FRAUD ACCOUNTS BUT   XXXX   HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVE N THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP

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 01-05-2017 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Other

Complaint: I called on XX/XX/XXXX regarding fraud on my Corporate AMEX. The card was closed and the representative removed the charge instantly. But because I made a previous payment the Friday before of {$1000.00}, I overpaid. I was told by the rep that a check would be sent to my home in 3-4 business days and a new card would be sent to my home as well. 

A few days later, I called AMEX back to find out where my money is and they explained that due to the holidays, there would be a delay in receiving the check but to be patient. I call back a few days later to track down the card and it had finally been delivered to my HQ in XXXX ... it was being held in XXXX due to our offices being closed for the holidays. 

I call back again XX/XX/XXXX and was told by a rep that the check had not be cut yet because there had to be a 2nd step authorization from one of the administrators on the account : XXXX XXXX or XXXX XXXX. He asked me to call XXXX. I did. She was on the phone to verify and to release the check to me immediately. She also stated that our company does not have this stipulation on any of our accounts. 

I spoke with XXXX in the Corporate Customer Dept. at ext. XXXX and she said that there was already an authorization given and that the check had been cut and sent on XXXX XXXX, XXXX via XXXX. I asked her who did they get the authorization from if we were closed for the holidays and she did not answer. I asked her for the XXXX Tracking Number and she said that she could not provide me with that information. She gave me a reference number ( XXXX ) and said that i would receive the check on Wed. XX/XX/XXXX. 

At XXXX EST, I arrive home and no UPS notice. I immediately call AMEX and try and find out what is going on. I get a rep on the phone who puts me on hold to find out where the check is. He comes back on the line and tells me that the check has not been processed and that I would have to wait. They put me on the phone with a Supervisor - XXXX and she says that there is no record of XXXX XXXX saying yes to releasing the funds and that she will need to call the Corporate Card Services in order to release the funds. 

I am so upset about this entire process. I have been lied to and I feel like I will NEVER get my money back from AMEX. This is crazy. I will be consulting an attorney

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Interstate Recovery Service, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It 's from a company called XXXX that says I owe them for magazines that I did not order. 
In 2006 XXXX XXXX called saying I owed them for a magazine subscription that I did not order and I told them that and they sent the magazings anyway and I sent them back. They left me alone for ten years now a collection agentcy is trying to collect it. I tryed to explain to them I did not order the magazines and I 'm XXXX an draw a small check every month and can not afford to pay it. I keep telling them that I did't order from them. Interstate Recovery Service calls day and night 5 to 6 times a day. Please help. XXXX XXXX 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 02-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I memorized my statement closing date which is the XXXX of every month. I am livid that I paid my account down and they reported a balance of {$500.00}. My credit took a hit which I can not afford at this time. I've worked so hard to get it to where it is. I call and I speak to a representative that told me my payment had to be in by XXXX. At first he said he'd see if it could be changed but then followed by saying you need to talk to the credit bureaus. That's not true. Navy Federal has to change it since they are the reporting company. I asked to be transferred to a supervisor so I spoke to XXXX and explained my situation. She stated the payment had to be in by XXXX so here 's misinformation. I've had this card almost a year with no problems like this at all and at no time did they ever say a payment had to be in by a certain time. I did not make a payment on the XXXX. I made sure to call in on my statement closing date. The representative never advised me that the payment wouldn't go through a day later. This should not be taken as an oh well, XXXX it up situation. I have taken my credit card account very serious since i've had it and have NEVER had a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation