milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 3 disputes certified mailed to Experian. They have continuously violated the FCRA. I have requested that these adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.

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 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FIRST NATIONAL COLLECTION BUREAU sent me a debt collection notice dated XXXX XXXX, 2005, stating that I have a delinquent account related to XXXX. I have not had a XXXX account, and asked them for debt verification, including, but not limited to : Services Contract, documentation of where, where, and how the account was established. They responded by sending me a XXXX statement that is not mine, stating that this is validation of this debt. This is not correct, and I want to know all details of this account from alleged start to alleged finish.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I phoned Transunion 's help number, ( XXXX ), to request they temporarily lift my credit freeze. The man who responded had an XXXX accent. ( I understand Transition relies heavily on XXXX subcontractors. ) The man clearly understood what I wanted. He then asked me for all my vital credit information ; name, address, phone number, social security number, etc. After he got all my personal information, he said, " I will give you the phone number you will need to call to help you. '' I said, " since you admit you understood I only wanted to temporarily unfreeze my credit information, WHY DID YOU NEED ALL MY PERSONAL INFORMATION! He said, " it 's just policy. " I believe this Transunion employee wanted my personal information for some personal nefarious reason. He now has all my personal information to perpetuate credit fraud on me. This is likely very prevalent with Transunion and their subcontractors overseas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I XXXX XXXX was a tenant at XXXX XXXX apartments. I am a veteran of the armed forces. I qualified for housing assistance under XXXX, I had taled to the landlord about my transferring over to the XXXX to began to make my monthly payments. at the time I was behind on my account with park towers so I was instructed by the landlord that I would have to clear up any and all delinquency on my current account. I agreed and then proceeded to sign up the housing assistant at the XXXX branch of XXXX. I also received assistance from another veterans assistance organization, this organization proceeded to pay the balance in full on my account at XXXX XXXX Apartments. then the following month when the next months payment for rent was due the landlord refused to accept the section XXXX volcher. XXXX XXXX the owner and landlord after we had previous discussed this matter just up and refused to accept the section XXXX voucher this put me in a bind. XXXX XXXX had also discussed this issue with XXXX XXXX the represenitive at XXXX of XXXX Texas. I had no notice of there being a revision in our verbal agreement that included then acceptance of the section XXXX voucher for housing assistance for XXXX XXXX XXXX XXXX the tenant in question. there were or was no eviction process at all. I never went to court for an eviction in regards to my being evicted. I did not volunteer to terminate my lease at XXXX XXXX XXXX, at XXXX XXXX XXXX apartment number XXXX, XXXX XXXX breached a verbal agreement to void the current rental lease agreement and enter into a new rental contact that would include the acceptance of the section XXXX voucher from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX the tenant. XXXX XXXX reported this adverse information to the credit reporting agencies with prior knowledge that it was fabricated and untrue. I have been advised that the information reported by XXXX XXXX has/is/ and will cause there to be continuous rejection and denial of requested terms of credit.

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 07/31/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is a complaint about Synchrony Financial 's payment rules. I have an account with them for with no interest for a year. I 've been paying my bill 2-3 weeks early. Specifically, my bill is due on the XXXX of every month and I send the payments on the XXXX. However, I noticed that my balance was always more than what I expected. I called and was told that my payments were recognized as a general payment but not as my monthly payment because I was essentially paying too early. For example, I have a bill due on XX/XX/XXXX. I sent a payment onXX/XX/XXXX They 've accepted the payment. However, I still owe a balance for the XX/XX/XXXX. They returned 3 of the late fees but not all of them. In addition, the supervisor was rude.

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 05/17/2016 about Bank account or service (Checking account) with BANK OF THE WEST (WI).
Issue: Account opening, closing, or management

Complaint: This has been an ongoing issue. I had a Bank of the West checking account around the years of XXXX. I moved out of the area and had closed the account. Around XXXX/XXXX/2012 I received a call that I had an outstanding debt to Bank of the West in the amount of {$390.00}. The collection agency was " XXXX '' out of XXXX XXXX, CA. Upon receiving their call I immediately called Bank of the West ( which I am sure was a recorded phone call ) I talked to several people there assuring me that I did not owe Bank of the West any money and that my account was closed in good standing. Interestingly enough after that day I did not receive any further collection calls regarding the issue. However I check my credit reports today and it is still showing up damaging my score. This was not ever a debt, I do not know how it showed up there. I have tried to contact the collection agency several times and they can never find my information, almost like it never existed, but sure enough there is sits on my report. I would like this information removed from my credit reports.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min on the phone ) finally got access to my account. Put in new info, it did not take the info e ven though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my credit score  XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: No specific representatives name and email for Experian. Only through the website. Notarized letters sent via certified mail is the seventh attempt to resolve inaccurate information concerning : Experian Report # XXXX, dated XXXX ; report # XXXX dated XXXX report # XXXX, dated XXXX ; report # XXXX dated XXXX ; report # XXXX dated 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 06/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: I got an online job through XXXX on XXXX XXXX, 2017. The person I got hired by claimed to have the name of XXXX XXXX. He sent me a check from a " customer '' for {$840.00}. I was to keep {$400.00} as I had already worked for him for over a week, and {$440.00} of it was to go to his " printer '' who would print his paintings on canvases. ( He says he 's an artist and that 's what he said I was going to be doing for him -- setting up invoices, creating a website for his company, etc. ) I waited 4 business days, and by the looks of it, my check had cleared that he sent me, so I sent his " printer '' ( whose name was XXXX XXXX - I also have his XXXX XXXX XXXX account # to verify him : XXXX. I suspect this is actually who " XXXX XXXX '' is since this is who I was told to send the money to ) {$200.00} on XX/XX/XXXX, then {$240.00} the next, XX/XX/XXXX. The following day, Chase Bank returned my check saying the Payor stopped payment. He then said he would transfer the funds into my account and that there had been some kind of mistake. He sent me another check from a " customer '' to deposit -- fortunately I was on to him at that point. He has now blocked me from XXXX XXXX -- our main form of communication. HELP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I signed up with a service called XXXX XXXX and linked my Bank of America account to it so that I can cash out on my paycheck early instead of waiting for payday. This requires that my account maintain a positive balance in order for them to send money to the Bank of America account. Bank of America has not maintained an active communication with XXXX XXXX to show the realtime balance in my account. As a result I am not able to cash out with XXXX XXXX and am limited in my ability to pay for things I need to survive. I need Bank of America to actively participate with XXXX XXXX so that I am not handicapped when my personal account is low in balance.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an fraudulent account on my credit report from XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Settlement process and costs

Complaint: Carrington Mortgage processed my home loan in a illegal and unethical way. Which has resulted to XXXX of dollars lost, loss of time to formulate a resolution, this negligence has caused an XXXX veteran and their family members to suffer homelessness, XXXX, financial loss. False allegations have been made resulting in defamation of character. Many parties and individuals involved have suffered defamation of ethical capability to perform with in their professional ability that provides for their income and future career standing. Physians have been notified and have documented these truths in efforts to assist the victims and provide adequate guidance to recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or about XX/XX/2018 I discovered through XXXX XXXX that a negative collection account by Midwest Recovery was placed on all three credit bureau files. I immediately wrote to them on that date requesting validation not verification of the debt. I never received any written information from them regarding the debt and my right to challenge such prior to my discovery at XXXX XXXX. Nothing within my credit files indicates that I have challenged their listing and the account is listed as " in dispute ''. Research regarding this firm indicates this is typical behavior on their part. I do not believe I ever had a loan with XXXX XXXX which is the firm they claim to represent and has been fined by the CFPB. Their previous pattern of behavior leads me to believe they will be unable to comply with my validation request or simply ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (FL).
Issue: Account opening, closing, or management

Complaint: elan financial made an unauthorized credit inquiry to my XXXX credit file

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 06/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient has been manipulating my payments so that it only applies payments to the accrued interest, and nothing to the principal, making it impossible to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom this may concern, This is a follow up to my previous letter sent on XXXX XXXX, 2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Chex Systems file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a XXXX bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX 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 11/15/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NV).
Issue: Managing the loan or lease

Complaint: Kia Motor Finance company has withheld payment of a refinancing loan of my 2016 Kia Soul. I refinanced the loan through XXXX and Kia accepted XXXX payments for the car loan in the amounts of {$640.00} and {$20000.00}. For one month, Kia reported only receiving the payment of {$640.00}. I called them numerous times and they reported that the check had been destroyed, that the check had been lost and that they had no history of the check on numerous occasions. When I requested that the check be canceled and reissued by my bank, they found and processed the check. However, they applied it to a previously closed account to delay payment on the loan in question. They still have n't paid the original loan. This is fraudulent. They are not using the funds for the purpose to charge me more interest and fees. In addition, I am due gap insurance refund, which this is delaying. That should have been processed, but without them releasing the lien they will not release those funds as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Home equity loan or line of credit) with FCI Lender Services Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I got a heloc loan with XXXX XXXX XXXX XXXX 2006 .. the loan was transfered to XXXX XXXX XXXX ..XXXX XXXX had pmi insurance on the heloc ..the loan went into default and was transfered to XXXX XXXX XXXX XXXX, XXXX . there I spoke to a representative there who told me that the loan was paid in full by XXXX XXXX XXXX. now a company call FCI lender Services inc XXXX XXXX XXXX XXXX Ca XXXX is threatening to foreclose on my property. my concern is if the loan was paid in full by XXXX XXXX XXXX with pmi insurance how can this debt be collected on again.. and can they foreclose on my property..?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting incorrect information this not my account XXXX CASE NUMBER : XXXX XXXX XXXX XXXX have fail to validate this account and so have Equifax at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Andrews & Cox, P.C. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX I received a Summons for none payment totally {$6200.00} from a collection agency. I was given so many days to respond. I called agency on XX/XX/XXXX and set up a payment plan to satisfy my debt. I would pay {$220.00} by the XXXX of every month until debt was satisfied. I received paperwork to fax or mail back I did both to ensure paperwork got to them. I paid three months of payments on time each month. On XX/XX/XXXX I received my paycheck and I had a garnishment applied to my wages from that collection agency. I called agency immediately, I spoke with a supervisor. He informed they had made several errors and he would " e-file '' the court to have them fix it. The judgment was for the full amount of {$6200.00} and my bank account had a freeze on it. At no time did this agency inform me while making my monthly payments of any impending judgments against me. Total payments taken from this agency was {$450.00}, the last payment did not go thru due to my bank levy. The {$450.00} was not included onto my total amount due in the courts final judgment. Total judgment was {$6200.00}. I feel this is a deceptive practice and negligence on their part. I complied with the agreement and they did n't and neglected to tell me anything about my account each month. I called on XX/XX/XXXX and made the payment, the representative neglected to tell me they had placed a hold on my bank account on XX/XX/XXXX. I still have the garnishment, the agency assured they would take of this immediately. That was onXX/XX/XXXX it is now XX/XX/XXXX bank account still has the levy on it and I am expecting to still have my wages garnished for several more pay checks due to the lack of response from this agency. The finance dept. of my employer said it takes several pay periods for this to be corrected. Only after receiving the courts paperwork to fix the problem. I called the court on XX/XX/XXXX they had not received anything from agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with St.John Cobb Inc (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received bill for these services which should have been paid by my insurance. I wasn't aware of this bill until I pulled my credit report 7 months ago and saw this was in collections, negatively effecting my credit

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