milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel  and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) Capital One Bank, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Credit card) with Rubin & Rothman, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Rubin & Rothman LLC ( R & R ) received default judgments on the basis of false and/or legally inadequate affidavits even though plaintiff and defendant agree to " reset payment date '' and not request default due to R & R online payment processing issues. The negative statement on my Credit report and misrepresentation by R & R attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (VA mortgage) with First Direct Lending, LLC (CO).
Issue: Credit decision / Underwriting

Complaint: I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in XXXX, CA. When they called, I spoke to a person named XXXX XXXX While attempting to get the rates I would qualify for, XXXX said the only way that he could provide those rates was to do a " soft credit '' check with XXXX credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow XXXX to do the " soft check. '' After receiving the rate, I told XXXX I would think about it and that was the end of my contact with XXXX and First Direct Lending. 
ON XXXX/XXXX/2015, I received a letter dated XXXX/XXXX/2015 titled " Statement of Credit Denial, Termination, or Withdrawal. '' I did not understand why I received this letter because I did not apply for credit or the mortgage loan ; again, it was only a " soft check '' per XXXX. 
I have called XXXX at First Direct Lending several times without a response back. On XXXX/XXXX/2015, I spoke to the receptionist and told her my situation and that XXXX was not returning my calls. She then transferred me to a person named XXXX. I also left a voicemail and never received a response. 
I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by 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 05-09-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: Purchased XXXX bras and opened a macy 's card. I paid this the following month. Next thing I know I owe {$64.00} more in fees. More than my original purchase!!!! I paid the fees, closed the account and will never, ever, ever do business with Macy 's again. 

DO NOT OPEN a MACY 's CREDIT CARD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: A IRA account was transferred to Bank of America. A transfer trustee Direct Rollover Request Form was filled out naming his spouse as beneficiary. XXXX XXXX XXXX sent a certified check to Bank of America reading Pay to the order of B of A Cust for husband. Bank of America issued a deposit slip dated XXXX/XXXX/14 for a deposit of {$30000.00} into an IRA account naming Bank of America as Cust for husband. Husband XXXX and wife is attempting to secure the funds. Bank of America claims they did not negotiate the check despite the fact the wife has a copy of the check and the deposit slip. Check was sent to Bank of America in the name of Bank of America cust for husband. Wife can not secure information regarding the check since she is not named on the check. Bank of America was named on the check issued a deposit slip and is asking the wife to jump thru impossible hoops to secure {$30000.00} plus interest that was deposited in Bank of America on XXXX XXXX, 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with SECURITY FINANCE CORP (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On XXXXsecurity finance of XXXX tn contacte XXXX of my employees/coworker and said they were going to garnish my wages. I do owe the company and I am making payments. I asked them in never to contact me at work and now they have tarnished my name.

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 10/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On Friday XX/XX/XXXX, I XXXX XXXX, formally XXXX XXXX DOB XX/XX/XXXX was applying for school at XXXX XXXX XXXX XXXX. I contacted XXXX for financial aide, and was advised that I had outstanding student loans from XX/XX/XXXX. I advised the financial adviser that I repaid the company thru my taxes in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, My entire tax return was taken from me all 3 of these years to pay back these student loans. On XX/XX/XXXX, at approx XXXX XXXX, I contacted Navient student loans to discuss the payments that were made from my tax returns from all 3 years and I spoke to a Representative named XXXX, I told her that I paid the loans from XX/XX/XXXX back with my tax returns and i should not have a balance owed, and she advised me that she could not give me any information concerning the account and I had to contact XXXX XXXX XXXX funds at XXXX. Upon me calling that number the promp said thanks for calling Navient. this was the same company that I contacted the first time, and the promp said that the office was closed it was apporx XXXX XXXX. It is to the best of my knowledge that I am being scammed and I have over paid this company, they are also stooping me from receiving funds to help me further my education. I need justice as well as help with this. I have overpaid this company more than 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX,  they had closed the account as disputed and had transmitted this information that same day. She gave me her number and ext ( XXXX ext XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called Equifax to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX  while checking my    Trans Union Cr  edit report I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: I was informed by the media that Equifax accounts had been hacked and that possibly my information had been stolen onXX/XX/XXXX 

I was redirected from the Equifax website to https : XXXX to check and see if my account was one of those affected. I entered my information and was told that indeed my account was affected by the 'breach ' in security, and I was told to come back on XX/XX/XXXX to enroll in an free annual program that would theoretically protect my account. I did this, and have since not received any confirmation or further information. 

I established a permanent security freeze on my account with Equifax in XXXX, as I had seen suspect activity in my credit report. I have not lifted this freeze using the personalized pin number I was provided at that time. 

It seems to me completely irresponsible that Equifax has handled my information so poorly and allowed it to be stolen, particularly considering I have paid the mandatory {$5.00} for the security freeze on my account. 

I ask that the US government close and liquidate Equifax immediately. Equifax should no longer exist as a company. It has permanently jeopardized my identity and my future security, as it has done for half of all Americans, which is totally unacceptable under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (IL).
Issue: Getting the loan

Complaint: OnXX/XX/XXXXtook out an online installment loan through www.speedycash.com in the amount of {$500.00}. Made bi-weekly payments of XXXX through XX/XX/XXXX when I put a stop to all automatic withdrawals. After running a credit report recently, I found I was turned into collections and looked further into www.speedycash.com. False license on their website as I tried to pull up their lender license number for the state of Illinois and did n't find it. Ran through all the speedy cash lenders, and the lender out of KS is 'inactive ' and has been since XX/XX/XXXX. False license on website, false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Payday loan) with Wise Finance, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX 2016 at XXXX XXXX there was a call place to XXXX, XXXX XXXX XXXX, XXXX in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I just received the highest credit score ( XXXX ) ever report by TRANSUNION on XXXX XXXX, XXXX. It also showed the number of inquires as XXXX. Credit report of XXXX XXXX, XXXX showed a score of ( XXXX ) and only XXXX inquiry. Why has TRANSUNION removed inquiries and turn around and re-enter. 
Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report. Confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand. 
TRANSUNION stated that these Adverse Key Factors will not be deleted from my credit report. I find TRANSUNIONS action totally absurd and completely inaccurate. 
TRANSUNION appear to categorize accounts under specific Key Factors, without specifying any account/s Customer being unable to determine what accounts are categorized under any reported adverse key factors affecting ones credit scores.has no chose but to dispute these adverse key factors. For example TRANSUNION reports delinquent accounts ( adverse key factor ) to creditors. who in turn forwards to customer. recommending to review credit files.Upon reviewing credit files, you find no delinquent accounts.If you find no delinquent accounts and TRANSUNION does not specify any account, then TRANSUNION is reporting incorrect data. Research has revealed that TRANSUNION did not provide sufficient data to support these adverse key factors and must remove these adverse key factors. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported XX/XX/XXXX. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
TRANSUNION stated that the customer must confirm that the credit information on your report is accurate. These Adverse Key Factors not being deleted from credit reports are totally inaccurate.

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 07/26/2017 about Debt collection (Federal student loan debt) with Van Ru Credit Corporation (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 03/16/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I refinanced my mortgage with XXXX for XXXX. On or about the end of XX/XX/XXXX, we fell delinquent on our mortgage. My wife and I applied for assistance with the State of Pennsylvania, our application was approved and XXXX brought our mortgage current. At the time, we signed a note for approximately {$28000.00} ( which I am currently repaying ) and it is my understanding that this brought my mortgage fully current and my balance with XXXX was now {$220000.00}. Within 30 - 60 days of bringing my mortgage current, the loan was sold to Select Portfolio. Soon after Select received my mortgage, my mortgage was current but they contacted me to tell me that it was their policy that my property taxes and homeowners insurance would need to be escrowed. My wife and I were fine for several years, I was not delinquent but I am not sure that an escrow account was established as there was no change in my payment. In XX/XX/XXXX, my daughter passed away. I was on a fixed income and I was responsible for yet another funeral and I decided to contact the mortgage company to see if there was anything I could do to reduce my payment. Over the phone, the specialist was able to reduce my mortgage to {$230.00} from {$1500.00}. That is the amount that we began to pay on or about XX/XX/XXXX. I was under the impression that Select had established an escrow account and this was my payment. My wife died in XX/XX/XXXX, in XX/XX/XXXX, I received a notice that Select Portfolio needed to modify my mortgage because the escrow account was behind XXXX dollars. This was the first I knew that the escrow was behind. The balance of my mortgage went from {$220000.00} to {$250000.00}. They did help me modify the mortgage and my principal and interest payment is now {$330.00} and the escrow was approximately {$400.00} bringing my payment to approximately {$740.00}. I did not understand why my mortgage payment steadily increased though apparently it is the result of my escrow continually increasing. My question is how is my mortgage balance increasing when I am making my payments. In XX/XX/XXXX I received a call from a company called XXXX FL XXXX. According to a gentleman named XXXX, they had evidence my mortgage company Select Portfolio was mishandling my account and that if I could pay a fee of {$1500.00}, I would have the deed to my home free and clear. I was able to pay them {$400.00}, but they could not help me if I did n't pay the rest of the funds. I sent them my statements from both XXXX & SPS for that time period. Is it possible that there is a violation? I have not heard from XXXX since that time. I really just want to understand what has happened and if the balance of my mortgage is correct.

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