milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 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 information incorrect

Complaint: In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.

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 03/16/2016 about Debt collection (Credit card) with MSW Capital, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail

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 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CREDIT CONTROL CORP is reporting on my credit report. IT SHOWS A ZERO BALANCE BUT THE DEBT SHOULD NOT BE REPORTING ON MY " XXXX CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have an account with a company named XXXX after several months of the company reporting a good payment history to Equifax, Equifax refuses to add the tradeline to my credit file ..I have provide email communications from the creditor, email communications from Equifax representative to the creditor stating they are reporting the item however the item doesnt appear on my file as a result it appears I have less credit history then I really do and it it causing my credit score to be lower

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian reinserted previously deleted information without notifying me as required by the FCRA. They are also reporting inaccurate information on my credit file. They have violated multiple consumer protection laws.

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 07/29/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Between the periods of XX/XX/XXXX to XX/XX/XXXX I had purchased to vehicles and financed through Wells Fargo XXXX New and XXXX used. Through out the loan terms the subsequently on a monthly basis added and charged me for their own auto insurance even tho i had my own auto insurance policy on XXXX vehicles. This subsequently caused me be delinquent and not to be able to manage my loan payments and at different points each vehicle was repossessed even after attempts were made on my behalf to correct the problem and lower payments to no success. Eventually I was able to recover the new vehicle after paying thousands of dollars in payments and fees to be able to get it back and payed it off and finally sold it in XX/XX/XXXX. The used car tho i was not able to recover and they sold it at auction and billed me for an additional {$12000.00} which they claim was the difference and eventually i ended up paying to them to pay the supposed balance. I also had to pay taxes for the supposed losses they incurred on that vehicle to the IRS when i filled my taxes.

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 06/16/2015 about Credit card () with CITIBANK, N.A. (MN).
Issue: Billing statement

Complaint: We had a Macy 's Store/American Express Credit Card and I had a purchase that I had made in later XXXX, 2015. The billing came due on XXXX/XXXX/15 and I had forgot about the purchase. I was paperless for the credit card, but never received an email or notification until the account was over 30 days past due and they had sent the card to the credit bureau. I as so angry as I had not had a late charge on anything for over 15 years. I am sure it has messed up my credit score. The lady at the card company just brushed it off saying that its not their responsibility since I made the purchase. I asked about the emails and she said they were sent. However, I never received XXXX email. They were rude and were not willing to do a thing. I have paid off the billing and have since closed the card and will never again open a Macy 's Charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Payday loan () with Meridian ARG Inc. (NH).
Issue: Can't contact lender

Complaint: I was contacted by a collection agency on a pay day loan. A man named XXXX said I owed on a pay day loan and he was a mediator hired to resolve the debt before charges were filed against me for check fraud. I asked for verification to be sent to me he said all he could do was email me his information. He would email and I needed to call back by XXXX the next day. I explained I needed more information. I received an email with no information on the company I owed the debt to only that it was from XX/XX/2010. I researched the number on line and found numerous complaint so I did not call back. The next day my husband started receiving phone calls threatening criminal charges against me for check fruad. He told XXXX he knew nothing about the debt and he would give me the message. I then received a call from my daughter as this XXXX person called her 3 times saying I was being served a court summons for check fruad and to tell me to contact a lawyer. Day 3 XXXX called my daughter again left a voice mail with my date of birth, last 4 numbers of my social security number and that I was being served a court summons at work Monday for criminal check fruad. Also stated not to return call he was sending the information to XXXX County Court House immediately. I have saved the voice mail as proof of this violation of my personal confidential information that is being carelessly left on voice mail that clearly states is not my phone. This agency is harassing my family members stating I committed fruad and need to contact a lawyer to exspect a court summons. These call are coming multiple times throughout the day. 
The number the calls are coming from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX/Experion Credit Reporting Agencies Credit Report Dated XX/XX/XXXX Upon receipt of credit report dated XX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have calledXX/XX/XXXX and Experion on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use XX/XX/XXXX Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.

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 05/25/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan servicer is navient. About six months ago I paid off entirely an unsubsidized loan. Furthermore I matriculated at a university and so my subsidized loans went into deferment. Today I received communication by email for the first time since the loans went into deferment, including for some reason a notification about an unsuccessful application for autopay which I never submitted as I am still a student. Even more absurd is that when I logged into my account my unsubsidized loan had a balance and the balance on other loans had increased. As absurd as that is I was not even notified about any of this. This company 's conduct is despicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other

Complaint: I became aware of several charges on a Bank of America card. I contacted Bank of America asking them to validate the debt. They did not respond. Account was removed from my credit reports. Bank of America still reported the debt to the IRS.

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had scholarship with   XXXX  university , earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get 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 09/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I just started paying on some credit cards through portfolio recovery debt collection. They have been calling me for over a year I finally have enough money to make the minimal payments so I set them up as soon as my first payment went through I started getting Phantom debt collection calls. I think someone that works there is either selling information or they know who pays their " debts '' and is trying to get more money out of me. I think they should be looked into, it 's just kind of weird I have never had that happen before I have had the same number for years and as soon as I give in and start paying them I get 2 to 3 fake debt collection calls a day saying that I will be served with papers and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been set up with Navient ( formerly XXXX XXXX XXXX in the automated debt repayment program since 2013. Most recently when it transferred to Navient I had to re-enroll in the program and my payments began in XXXX with Navient. Just recently I learned that Navient has been reporting to XXXX stating that I have a delinquent account with them. On their website it shows that I am past due over {$380.00} when in reality I have made ever automated payment on time since Navient has taken over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was the victim of identity theft. I reached out to Experian to place a 90 day fraud alert on my file. They refused to initiate the alert. They wanted me to provide by certified mail a copy of my government ID and a utility bill before they would initiate the alert. I did not experience this pushback from XXXX or 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 08/18/2017 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: Account information incorrect

Complaint: regarding account : XXXX account number XXXX. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further. If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing inquiry 's on my credit file with Equifax since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a Equifax representative. The rep told me the only way they inquiry 's could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: I 'm Up to date on all taxes however I have been contacted by my loan servicer collections department asking for evidence of my assessment bill and have spent time downloading my tax bill ( Perhaps they can not do the same ) and sending it in good faith via U/S mail only to come home today to receive another request from the same department my concern is the reputation of loan servers with past mass fraud I wanted to bring this incident to your attention I will not a victim of there fraud.

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 10/15/2016 about Mortgage (VA mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My Name is XXXX XXXX XXXX XXXX. 
Concerning XXXX XXXX XXXX XXXX XXXX CA XXXX-Loan # XXXX : My Mortgage company ( PRMG ) claims they returned an accepted payment that was processed on XXXX XXXX 2016 in the Amount of {$1700.00}. My bank has confirmed the payment was not returned. PRMG has provided no evidence of a returned payment. They have assessed late fees and insufficient funds fees as well as home inspection fees. I have provided them with direct contact with the bank, as well as evidence of no returned funds, in the form of bank statements as well as an ACH trace number. They will not accept my XXXX payment without a repeat payment for XXXX for a total amount of {$3600.00} including penalties. 
Concerning XXXX XXXX XXXX XXXX XXXX Ca XXXX-Loan # XXXX : PRMG transferred servicing divisions for this loan on XXXX XXXX 2016 they did not include a previous payment to the previous servicing division in the amount of {$1600.00} which a check was cashed on XXXX XXXX 2016. They have been informed several times that the payment was made on time and have yet to reconcile the internal issue instead I have been charged late fees and penalties and they will not accept an XXXX amount unless I pay XXXX again because they credited the XXXX payment to XXXX. They are demanding {$3200.00}. 
I have tried to work with PRMG and all efforts have been in vain, including providing bank statements, ACH trace numbers, account numbers, as weell as direct contact with the previous servicing department who informed them of the internal errors. This has already negatively effected my credit, and peace of mind. I have been treated as if I am irresponsible and guilty of defaulting on agreements to pay, which is an insult to me as a XXXX, XXXX Veteran, my integrity is my most sacred possession. Please advise me of the next step in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: I signed up for the American Express Platinum personal card XX/XX/XXXX. The offer was to spend {$3000.00} in 3 months and they would provide me XXXX membership rewards points. I met the terms of the offer and was provided the points XX/XX/2016. On XX/XX/2016, Amex removed the XXXX points from my account telling me I spent the money on reloadable cards. I did not spend the money on reloadable cards. I have various purchases at several retailers for different amounts. I find it unbelievable that they can take the points and tell me I did not meet the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 

I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.

Company response to consumer: Closed with explanation