milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with CONGRESS COLLECTION CORP (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today ( XX/XX/XXXX ) I checked my credit score and noticed that between XX/XX/XXXX and XX/XX/XXXX there was a collection account added to my report. The collection agency is Congress Collection and which has never contacted me in any way. The original creditor is XXXX XXXX XXXX of MI XXXX and which also has never contacted me in any way. The supposed unpaid balance on the account totals to {$86.00}. The year the supposed account was opened was XX/XX/XXXX ( XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.

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 04-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: We worked out a loan modification which took six years and the bank refuses to remove what they call late payments. Payments were not made because of a dispute with the bank. Once we signed the new agreement we made our payments timely. The bank refused to lower my interest rate and because they refuse to remove what they called late payments I can not refinance with someone else to lower the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with MOHELA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This was to be a loan forgiveness. I graduated in late XXXX. I was to pay for 10 years and the loan was to be forgiven if I worked in the public service field. I was told my profession qualified ( NC XXXX ) and was told by the representative at the time how to fill out the paperwork. I am right at 9 years in paying, auto draft each month, so I have never been late on a payment. When I called to check on when It would be paid in full, I was told I had NOT made any qualifying payments. I was told by the representative how to fill it out so it was done correctly. I was told Mohler, the company who bought out the original student loan that my option was to increase my payment or refinance for 10 more years at almost XXXX higher a month. I now pay XXXX and some change a month. I was told I qualified and the payment set up by them and now they say It was n't qualifying payments and I have to pay another 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I currently have a collection account on my credit report from portfolio reconvert associates,  LLC Re  :  XXXX  Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a license to collect debts in the state of   XXXX   XXXX   XXXX   XXXX  according to   XXXX   XXXX   XXXX   office of financial regulations. I am requesting that you delete this account from my credit report or provide me physical proof that they are licensed to collect debt in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Payday loan) with Solutions To Portfolios, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a call from a company named STP Group for collection on a debt. I do owe the debt but was not originally with the group. I repeatedly asked the agent XXXX XXXX to send me proof of the debt and I would pay. I told her without written proof of the debt I will not pay. She said gotcha and will further process it. Obviously not following any collections rules as I repeatedly asked for proof of the debt via a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Bank account or service (Checking account) with KEYCORP (WA).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX my Health Savings Account could not be accessed by a Key Bank teller. We then discovered XXXX checks totaling {$7900.00} had been written on this account XX/XX/XXXX-XX/XX/XXXX ( none of them written to health professionals ). I did not check this account routinely since I last used it in XX/XX/XXXX. I filed an affidavit of fraud with Key Bank, filed a police report ( they could not help since identity theft is hard to prosecute ), checked the credit bureaus for other fraud ( none was found ) & assumed I would get reimbursed by Key Bank. However, Key Bank refuses since it had been greater than 60 days since the fraud occurred & the discovery & report of fraud. I have contacted local , county, state and federal agencies asking for help. The WA State Attorney Generals Office has started an investigation # XXXX. I believe the office forwarded my information to you but suggested I do so as well. If you decide to help me & need more information about any aspect of this case, please let me know & I will send everything I have. I have talked to several people & not one person I spoke to is aware of this rule. I would love to get my money back but even more I would love to have agencies responsible for protecting money, notify consumers when an account is opened, this rule exists. Consumers should have to sign they understand this rule. 
Thank you for your interest. If you can help me, I would so appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have previously requested from all three credit bureaus : TRANSUNION, XXXX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX/XXXX/XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth, and Social Security Number ( please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, 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 05/28/2015 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (CA).
Issue: Account opening, closing, or management

Complaint: My prepaid debit account managed by Blackhawk Network was shut down XXXX months ago. I had $ XXXX on that prepaid card and it is locked. They told me that a check would be sent out, but it has been so long. Numerous phone calls have not been returned. Why are they holding onto my money for so long??

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The Credit Card Company did not do a investigation but only did a rubber stamp of questionable statements. FCRA says 7 years from the " first default '' which means when I could not use the account. Which for many of these accounts was a lot earlier than there so called write offs. If you ca n't use the company 's services, like cashing a check, using the lobby, for all intents and purposes you account is closed and in collection. These organizations tend to add a 5 to 7 year extra space of deliquency saying its open but you owe and are deliquent aka default. I have ask for them to look at the additional evidence of account activity to show whether the account was active. that was ignored. This is not an investigation especially since its not an impartial agency or has investigators with adequate training.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your 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 explanation
Consumer complaint received 01/21/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: hi im XXXX XXXX my complaint is with green tree mortgage green tree mortgage does not want help me getting my home qualified for a loan modification my home goes on sale Monday XXXX/XXXX/XXXX they are telling me im 8 months behind and its not true there reason for my delinquency there not applying my payments to the my account they keep asking to speak to my husband XXXX XXXX who is also on the title but he passed away XX/XX/XXXX we were originally with XXXX but later was passed to green tree because I filled a law suit with XXXX XXXX XXXX they gave my husband a loan when they new he was placed on hospice care soon after his passing I later had to get a loan modification because I was upside down on my house and since green tree is now the lender they refuse to deal with me even when I sent more proof of my husband being passed away I got a lawyer and found out it was a scam I lost money on that if it was n't for my oldest son moving back in I would of lost everything my family and my house is all I got and there trying to take that from me I did find out there was some illegal stuff done in my contract from the bankruptcy attorney that I hired this week im going for chapter XXXX so I can get time to find help for a fair and new loan modification its a lot more I would speak to some who can help me im up in age and would like for my grand kids to have my home in the future please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent inquiries that is not mine. Reported to business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with Transunion and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX XXXX Account Number, XXXX XXXX card Account number and XXXX XXXX XXXX Account Number. I send numerous letter to transunion registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the XXXX breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.

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 08/16/2017 about Mortgage (Other type of mortgage) with NAVY FEDERAL CREDIT UNION (MA).
Issue: Applying for a mortgage

Complaint: Navy Federal Credit Union foreclosed on my second mortgage XXXX 2014, prior to my XXXX XXXX with the XXXX even after I submitted to them a letter by the XXXX XXXXXXXX of the XXXX center explaining why I was not being paid ( a flood in the payroll building ). I was told by Navy Federal 's representative that my loan was " written off '' and I would receive a XXXX that I could not make any payments on the loan. However, yesterday I tried to apply for a pre-approval of a mortgage learning that my loan was not forgiven but rather being listed as negative debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have my student loans serviced through Navient. My payment started around 600 and then went up to XXXX. I was not notified. When I called to inquire why this took place, they told me that my forbearance ended. I was not aware I was in forbearance. At that point, they did an income driven amount and the new payment would go back to around 600. They placed me in forbearance in order to get " caught up '' with the past fees and payments ; which was capitalized. About 12 months ago, when my forbearance came up, I was under the impression that my payment would return back to around 600. No! My payment was XXXX bucks. At this point very frustrated, but I contacting them again. My income decreased, so they told me that I would qualify for the income driven payment program and said my payment would be around 300 a month. I was told to call back in XX/XX/XXXX to make sure this as approved, because that is when my new payment of XXXX would be due. This inquiry took place XX/XX/XXXX. I just got off the phone and XXXX ( Navient rep ) stated " this was approved in XX/XX/XXXX for XXXX per month, you are 60 days past due. In order to get you caught up again, you need to agree to forbearance so that the XXXX will be capitalized and then just pay a payment of XXXX for XX/XX/XXXX payment and you will be up to date. My payments are now scheduled on the XXXX of each month for the amount of XXXX. I am concerned that they will all of a sudden bump my payment back up without any notification. Plus, the amount that has been capitalized over the life of my loan has been a large amount. I currently now owe XXXX ( I got my XXXX-XX/XX/XXXX ) but ended up out of school with much less debt. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Regarding a Citi credit card, Citi can not /will not display a pdf monthly statement through my account on their website. Without that information, I do not have a billing address and can not pay any balance. Citi representatives keep recommending to " clear cookies '' on my computer, but the problem is on their website. I believe this is intentional fraud on the part of Citi who does not want me to have a statement and thus can charge late fees, penalties, and attempt to damage my credit. This practice should be investigated. Consumers should have the right to receive a monthly statement.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX   XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single 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 08-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX has referred a bogus debt of XXXX to a third collection agency. This has a been the subject of a prior claim with you~and supposedly resolved, only to arise again. See claim #XXXX and #XXXX.Also XXXX and .....XXXX. The XX/XX/XXXX response indicates that the matter has been resolved. This third inquiry and demand for XXXX is harassment and is intentional on behalf of XXXX. Please stop this.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Student loan (Federal student loan servicing) with EdFinancial Services (VI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I agreed to rehabilitate my loans in 2006 and was lead to believe this was a 10 year loan. I am now in year 11 and not even 1/4 of the loans have been paid off. All documents say they are using simple interest at 8 %. I have since paid off more than XXXX on an 8 % mortgage using simple interest. 
My loans totaled XXXX and I started paying in 2006. At the time of my last statement I still owe more than XXXX. They have been applying most of the payments to the interest only.

Company response to consumer: Closed with explanation