milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 08-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX, file for bankruptcy. Lawyer said that since bankruptcy all student loans would be deferred. I heard nothing the first year. Thought all was ok. Year 2, I started getting phone calls from navient, since they had received my loans, they were no longer deferred. I explained the situation. They said " sorry '' then again told me they were deferred. Years 3 and 4, exact same thing. Bankruptcyou ended XX/XX/XXXX. Navient took {$2400.00} out of my tax refund for unpaid student loans. I called my lawyer and navient. Got the run around. 1. If my loans were differed I should never have had this amount withheld. 2. It is showing negative on my credit report since XX/XX/XXXX. 3.navient now says that since I was behind they never could defer my payment. I still do not understand how it was behind, I was in bankruptcy and it was supposed to be deferred. I explained to navient. They said that this was after bankruptcy when the loan went through. I talked to navient XX/XX/XXXX and they said I was deferred until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: I went to Western Union to send money to my son in XXXX, CA on XXXX XXXX. XXXX XXXX at XXXX I sent my son the tracking number. XXXX XXXX my son went to pick up the money. He was given a conformation number by Western Union to give to a cashier to pick up the money. When he gave the conformation number to the cashier he was told that the transfer was declined. He called me, I called Western Union and was told the money was picked up on XXXX XXXX at XXXX. I called back on XXXX XXXX to make a report because my son did not receive the money. I was told that it would take XXXX days for them to investigate. I feel this is a practice that is ridiculous and disrespectful to the consumer, me. I sent the money because my son needed money next day. Why do I have to wait XXXX days!!!! Someone has my money and I want to know who!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/2017 I attempted to dispute negative items reporting on my credit report with all 3 credit bureaus. XXXX and XXXX have replied and removed the items from my credit report, however Equifax has not responded to my request. This is a clear violation of my rights as a consumer based on the guidelines of the Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Sent a QWR ltr beginning of XX/XX/XXXX with to this date no response. I would like to know the owner of my mortgage and who holds the note. I also have a discrepancy with my interest rate that was suppose to be fixed and it was raised when fay servicing took over. I never received anything stating new ownership! I also was working on and sent a settlement pkg. that fay servicing never responded too.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been in previous communication with PDQ Services, a debt collector located in XXXX, GA, regarding a balance that the company claims I owe to a medical office, XXXX. Despite my disputing the validity of this balance and submitting substantiating documentation, a record of it has been placed on my credit reports. 

I visited XXXX on XXXX/XXXX/2014, at which time I was assessed total charges of {$1300.00}. Credits/adjustments totaling {$650.00} ( mostly from medical insurance discounts and benefits ) were issued on XXXX/XXXX/2014, with one additional credit of {$3.00} issued on XXXX/XXXX/2014. This left a balance of {$660.00} payable to your client, as documented on the statement from XXXX and provided to PDQ. This same balance was transferred to PDQ on XXXX/XXXX/2014, as documented by the same statement. This amount was paid via a mailed check, which cleared my bank on XXXX/XXXX/2014. PDQ claims that a balance is still owed, yet thus far has been unable to validate or even produce any documentation of it. As such, PDQ is in possible violation of the FDCPA. 

I will attach my billing statement from XXXX, which details all of the actions described above. I will also attach a copy of my XXXX 2014 bank statement from XXXX, which shows a payment of {$660.00} to XXXX that cleared the bank on XXXX/XXXX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I work with two companies why is my credit score only going up XXXX point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.

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 04-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my mortgage from XXXX was sold to Nationstar Mortgage. In XX/XX/XXXX Nationstar Mortgage took an unauthorized payment from my escrow account for {$170.00}. Nationstar Mortgage was notified of the error that they made in XX/XX/XXXX, only to discover that they took another payment for {$170.00}. I was informed the payments were for Mortgage Insurance Premiums. I never paid this with XXXX. They have since stopped the payments. I have requested the money get refunded to my escrow account on numerous occasions, along with the lost interest, and a corrected form XXXX. As of today none of my requests have been done. Now I have received a notice from Nationstar Mortgage that my escrow will have a shortage of {$100.00}. I feel that this is wrong considering that if they never took the money out of my escrow, it would not be short. I have been on the phone for over 10 hours with many different departments and several supervisors. Is there any legal recourse for the money " stolen '' from my account, along with the stress of this whole situation?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I was depositing {$60.00} in ATM IN Bank of America branch in XXXX, NJ. I tried to deposit three {$20.00} bill, but ATM excepted only two bills, returning me {$20.00} back. I tried to put that bill 4 times, but ATM kept returning it to me.. AS a result, my account became overdrawn. Next day I went to another ATM machine and it did took the same bill. I have substantial relation with this bank:2 checking accounts, 2 credit cards, overdraft protection, 2 direct deposits. When I called customer service on XX/XX/XXXX, representative told me that I should have been driving around different Bank of America ATMs and deposit money there.It was XXXX XXXX, totally dark and unsafe. 
I have been customer of Bank of America since XX/XX/XXXX and it was my first overdraft fee ever, but they did n't consider it.

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 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.

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 08/29/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage company 21st Mortgage has been harassing us about our payments. A month after we bought our home I got very ill and was no longer able to work. My husband made our payments as soon as he couldcould each month. On our statements it says we have until the XXXX of each month but they would start calling, texting and emailing us up to XXXX times a day on the XXXX day of each month. In XX/XX/XXXX we were late with our payment due to myself and my daughter having to have extensive medical test done. We called XXXX XXXX to make XX/XX/XXXX 's payment and they refused to take it, they said we needed to make both months payments right then which we were not able to do. They then sent XXXX men to our home around XXXX XXXX on a Saturday to collect both months payment. The added stress of this on top of my being diagnosed with XXXX ended sending me XXXX for XXXX and XXXX. We had to reach out and ask for help and family friends and strangers donated money to help us pay everything through XX/XX/XXXX. We have explained the situation over and over to the company. We also tried to ask them to assist us and they refused because our loan was so new. We are late this month ( XX/XX/XXXX ) and they started texting and calling around the XXXX of the month which is before the XXXX which is our grace period. They called and I spoke to them this past week which I happened to be with my daughter who was XXXX and I tried explaining that I could not discuss things with them at that point because I was focused on my daughter getting better. The supervisor got on the phone and informed me that this is not what they signed up for when they loaned us the money for our home. I got very upset and explained that I did n't sign up for my health to go so bad and have to have surgery and have my daughter get sick as well. They are very ruthless and do not care what we try to explain to them. They get made if we do n't answer the phone everything they call but why would we answer the phone XXXX times a day to explain the same thing over and over again especially when they are rude and demanding. Also after looking back at our original paper work there are XXXX different interest rates on our contract. They also said they were raising our mortgage because we underestimated the escrow about them they turn around and send us a check saying that we over payed or escrow so nothing is consistent with them. I 'm tired and unable to keep being harassed by them. It boils down to they harrase us before our late date and they send people all the way from XXXX XXXX to XXXX to intimidate us. This is ridiculous and in called for. They told me to save myself the hassle and just go ahead and pack or things and get out so it would be easier on everyone, this was when we were only XXXX months late. Please do something about this company and their lack of consistency and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TN).
Issue: Other transaction issues

Complaint: On XXXX XXXX my daughter transferred money to my paypal account. On the XXXX I called paypal since I could n't get any response from my requests online. I was told that the money had gone to my bank and should be in my account. I contacted my bank XXXX, they informed me that the money had not been received in my account and they did n't know where it was. I contacted paypal and the issue a trace to locate the funds. On the XXXX of XXXX I was told by XXXX a paypal Customer Rep. She informed me that the money was put in an account number that was not mine, it was one number off. This was and is confusing to be as I did not verify this account number and in the mean time I had made a purchase and the fund had been taken from my correct account number. During this time I spoke to XXXX on XXXX, XXXX on XXXX, XXXX again on XXXX, XXXX on XXXX, on XXXX I spoke to XXXX XXXX, XXXX I spoke to XXXX, On XXXX I spoke to both XXXX and XXXX, I spoke to XXXX on XXXX, and on XXXX I received a message from paypal to let me know that the funds could not be returned to be me as the bank denied the reversal. I have been speaking to XXXX and XXXX at the local branch of the bank all along and when I called to check on the denial XXXX let me know that there are several reason that the transaction could be denied but she was unable to tell me anything about this because of privacy. I am at my wits end and do n't know what to do at this point. If I did n't verify the account that the money was sent to why do n't have I my money back. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is reporting, or rather holding to what Countrywide previously reported, that I was XXXX days late on paying my mortgage on XXXX different occasions. I have disputed them with the XXXX different credit reporting agencies but BofA, I feel does n't do a proper investigation into the matter and will not take the negative claims off of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX XXXX about a medical bill that was disputed back on XX/XX/XXXX that the validation of the debit wasnt mines. The company was unsuccessful at validating this debt they didnt have a contract or my signature they couldnt prove anything and the debt was removed. I receive a letter in the mail on XX/XX/XXXX and I wrote the letter telling them the debt doesnt belong to me and they sent a letter back stating a account number and balance no contract no nothing so now today they added this debt to my credit report without proving once again this debt is mines

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 07/25/2017 about Debt collection (Other debt) with The Law Office of Michael A. Priddle, LLC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XXXX 2017 my car broke down and has been tow by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , KS.XXXX After so many attempted to have estimated send to me and to find out the cost of the repair, without proper notification they hire attorney to put a lien on my vehicle and try to retitle the vehicle without my consent. 

XXXX XXXX XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I mailed a certified letter to XXXX XXXX XXXX. XXXX asking them to validate an item they have listed on my credit report. It was received and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. After waiting 30 days for a response, I received none. On XX/XX/XXXX I contacted the company to inquire about my request. The person who answered the phone was very rude and refused to work with me. I then filed a complaint with the Better Business Bureau ( Complaint ID XXXX ). In response to my complaint, on XX/XX/XXXX the company wrote : " The itemized statement was mailed to you today. Thank you, XXXX XXXX. '' This company has been reporting invalidated information to the credit bureau, and may also be in violation of HIPAA, and their nonchalant attitude about it is rather disturbing.

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