milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX  and XXXX XXXX reports and also disputed with MidWst RCVRY  who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Payday loan debt) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ALLIED COLLECTION SERVICXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX(XXXX) XXXXThis company is not licensed in Florida. Cannot be on my credit report and needs to be removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Late fee

Complaint: I did not know there was a balance after the disputed item were credited back to the account. And even if that was the case, why was n't the due balance automatically debited from the checking account like it has been done for the past 6 years, which I was NEVER being late. I made a payment via mail for XXXX on XXXX/XXXX/2016. I have not access to the account anymore because it was blocked by the bank, which made it impossible to make a payment. 

I would have not put myself through all this XXXX for {$38.00}, and this headache. The company still have not addressed the following issues, It MUST be addressed by next week or it will result in additional complaints filed with the FTC, CFPB, XXXX XXXX, and the NYS XXXX. 

First, the company must remove the late payments as the outstanding balance should have been deduct via automatic payment as it has always been done for the last 6 years. I am not paying {$80.00} in late fees for {$38.00}, that is pure abuse. 

Second and most importantly, The inaccurate information reported to the credit reporting bureaus in regards to the late payments, and closure of the account, MUST be retracted, deleted and removed. 

Failure to comply with my demands will result in additional complaints to be filed with the FTC, XXXX, XXXX ( local and national ), and the NYS XXXX. 

Thank you for your attention to this matter and I very much appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.

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 08/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: i took out student loans with XXXX XXXX now navient back in the late XXXX to early XXXX due to the fact i was enrolled in college and i wasnt able to get grants so i got in major debt by taking out student loans in order to attend and graduate from the university of XXXX in XXXX since then i have had my loans temporarily placed on hold by forebearance, courtesy holds, and deferments. i dont have the dates or time frames for any of these available but all of this has taken place since XXXX to the present XXXX i am still in major debt to navient formerly XXXX XXXX. navient has never tried to suggest to me to attempt different repayment options and chose to place me on the aforementioned holds whenever i called them thus making my interest to be capitalized throughout the years and thus causing my total that i owe to become even higher and keeping me in perpetual debt to them. and even now or recently i have applied for student loan forgiveness, income driven repayments, etc to only be rejected each time by navient and this is not fair. they are completely unwilling to work with me or help me in my financial situation. the excuse is always my gross income is too much but what they fail to realize is even though my gross income may not  qualify me i have alot of debt from credit cards and other monthly bills that have to be paid that makes it very diffficult to pay each month what navient demands. i l need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax compromised my personal credit information in their recent data breach ( as confirmed by them on their equifaxsecurity2017.com website ). This compromises all of my current and future financial accounts. I would like resolution/compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm at a high stress level from Ocwen mortgage loan. I can not reach them as they are in XXXX and are given a script. I have emailed them 30-50 times in the last year and the return emails are XXXX-XXXX and are signed with what I assume is an XXXX name. The accounting dept. is atrocious, making horrific errors and charging ME, reporting me as late, and NOW, threatening with foreclosure! The entire event is Absurd but I can not get them to correct their error! Please assist me ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I did file complaint XXXX and I am not happy with illegal action from Welles Fargo Bank and their lack of response. the facts about the case as follow:1- I had owned a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold on XX/XX/XXXX. the loan on the property was with XXXX. 
2- The line of credit balance at that home at the time of sale was XXXX3- In XX/XX/XXXX Welles Fargo Bank reported me that I still own the home and Foreclosure started due to the Line of credit was not paid. This all False informations4- I did sent the Settlement statement to Welles fargo which indicated that I sold the home in XX/XX/XXXX and Pay off proof from the Title company but they still insist that I own the property and what they reported to the credit Bureau is correct. 
5- I asked Welles Fargo Bank to show me any evidence indicate that I still own the Property and if they have any evidence that the line of credit balance at the time of sale. they are not showing any evidence and they do n't wants to admit the mistake. What Welles Fargo bank is doing with lack of communications and not providing any documented evidence is Illegal.I had called them and left multiple voice mail followed by multiple faxes with no response. 
6- It is a public recored which show that I sold the property in XX/XX/XXXX. and there is no evidence from XXXX XXXX /Welles fargo that the line of credit at the time of sale has any unpaid balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I electronically sent a 2 payments totalling a full payment to Citi Double Cash ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) before a XXXX XXXX, 2016 due date and was assessed interest when my second payment was not processed until XXXX XXXX, 2016. On XXXX XXXX, 2016 I was assessed interest of {$10.00} because Citi claims I did not pay in full by XXXX XXXX, 2016. This was not a case of late payment, just a case of payment processing past the due date. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent in a combined full payment to Citi Double Cash before the XXXX XXXX, 2016 due date and was again assessed interest of {$17.00} on XXXX XXXX, 2016. I challenged the XXXX XXXX, 2016 interest because my XXXX payment was processed well before the due date. I was told that Citi is allowed to charge interest for AT LEAST 2 months, whether or not full payments are made by the due dates, if a payment is processed late. I checked my other credit card terms and none of them has this abusive means to collect at least 2 months of interest. Here 's what Citi claims they have a right to do. 

" If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. ''

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 10-01-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: original complaint XXXX # XXXX have tried to contact with XXXX XXXX XXXX XXXX constant stall tactics. Now Portfolio Recovery Associates is suing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u

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 08/31/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Deposits and withdrawals

Complaint: I submitted a Fraud Complaint to Navy Federal Credit Union for unauthorized transaction on XXXX XXXX, 2015 from XXXX XXXX, NJ in the amount {$20.00} I received letter from XXXX XXXX stating that the transaction was not a error. Also usually there a way to dispute online but I 'm unable to dispute if Navy Federal Credit Union is going to give option to processing fraud it should be available to all transactions. Please investigate Navy Federal Credit Union procedure on processing Fraud complaint and ALL Product and Services and ensure it working according to United States Federal RegulationsXX/XX/XXXX POS Debit - XXXX Check Card XXXX - XXXX XXXX XXXX NJ POS - {$20.00} {$350.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Lease w  as opened fraudulently using my personal information. Reporting inaccurate information to credit reporting agencies. I have advised Toyota Motor Credit that a lease that is showing up on my credit report is fraudulent and does not belong to me. There is a long track record of me notifying them that this is not my account. I have advised the credit bureaus directly as well as the lease company. There have been multiple FCRA and FDCPA violations both in part of the creditor and the credit bureau. My letters to the creditor have been ignored and no attempt at resolution has been made by them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I spoke with a representative at Maury Cobb : XXXX on XXXX/XXXX/2016 at approximately XXXX CST. I asked repeatedly if he had access to the final bill from XXXX, and he refused to answer me. He said the debt was about to be transferred, so " Why should I give you that when it 's about to be transferred out? '' I asked him repeatedly if he had access to the final bill, and he refused to answer yes or no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: TD Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with Automated Collection Services, Inc. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX originated the loan in XX/XX/XXXX-XX/XX/XXXX Then, XXXX XXXX went bust. They at some point sold the loan to XXXX XXXX, out of Colorado XXXX XXXX has sent the loans to collections via ACSI, who is threatening to retain my tax refunds. XXXX never notified me of default. XXXX XXXX never provided due diligence/process of reconciliation, forbearance, repayment options etc. This ACSI outfit, whose mailing is labeled from XXXX, OR, and Kentucky, but call center in Tennessee is the slimiest debt collection institution. The threats and harassment, especially of stealing tax returns is blatant. Obviously their debt was acquired through completely deranged and incorrect channels. XXXX failed to offer due process of loan recovery, as did XXXX XXXX. I have disputed the validity of the debt to asci. The operators at their institution asked me for my full social security number, which I found to be a fraudulent method of verifying identity. I explained repeatedly that I believe their collection to be invalid and illegal, and will only verify by yes or no the information they may have on file, but will not be providing my full social security to them. They mentioned today repeatedly being concerned about them potentially being sued for fraud. I elxplained to them that they should be concerned, as they are in fact attempting to collect a debt not originated by them. Essentially, they are parasites, exploiting loopholes in student lending laws, targeting specific individuals in the population, harassing me and others and threatening to steal tax refund. They may not be obligated to abide by student lending laws, but they are obligated and under duress of law to practice legal debt collection ( s ) i.e. Offering resolution, due process. At no point was any effort made by any of the three involved institutions to resolve the debt according to either student loan lending laws, or economic/debt collection laws. During last conversation, XX/XX/XXXX. They alleged to have placed collection in dispute and suspend collection effort. When asked to clarify what exactly " dispute '' means, representative of ACSI stated that master promissory note would be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: Nation Start Mortgage ( NMLS : #   XXXX   ), was the previous holder of my loan. I recently refinanced the loan with another lender. I was never issued  the complete refund for the escrow impound account. On the attached document a financial record is shown of the account statement. I received the balance of the statement in the amount of {$1700.00}, however the statement includes a refund of  XXXX  issued in  XXXX  o f 2016. I never received this refund, and have requested a check be issued numerous times. Nation Star has agreed to make  payment, via conversations, however the check has never been received.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Payday loan () with Delbert Services (IN).
Issue: Can't contact lender

Complaint: I received a call form XXXX County of Government XXXX on XX/XX/XXXX. The caller asked that I call XXXX for more information on the case. I called the number, which turned out to be a debt collector working on behalf of Western Sky. The representative said I bounced a check in XX/XX/XXXX and wanted to know if I wanted to settle the matter now. I thought it was strange because I commisssioned a debt consolidation company to pay off all of my debts and this one was not included. The gentleman asked my name and proceeded to state my last XXXX of my SSN. When he stated the address, the address mentioned was n't my address. I stopped him and ask for documentation of proof, since the information he was giving was incorrect. He began to raise his voice, so I hung up the phone. The representative in turn, call my phone at least 4 times leaving harrassing message calling me a scum and telling me I had no intentions of paying the debt, I waited and then call him letting him know what ( this scum ) would do. I do n't know who this person is/was and I really do n't want to know. But his behavior and the threatening manner in which he spoke to me was/is unacceptable.

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 03-07-2017 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Deposits and withdrawals

Complaint: Greetings, I made a deposit at an on-premises ATM for my checking account with US Bank on XX/XX/2017 in amount of {$6600.00}. Checking account has been opened around 30 days ( or less ), but XXXX checks are drawn on US Bank. Customer service informed me that a seven ( 7 ) business day hold is being placed on my account due to Regulation CC. 
XXXX checks are US Bank Checks. XXXX check is my payroll check from XXXX. XXXX check is my business account at US Bank. 
Please, review and advise.

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 01/13/2018 about Vehicle loan or lease (Loan) with Skopos Financial, LLC (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I have a XXXX got on fire I spend over five Thousand prepare the XXXX I sill have a loan on the vehicle it was a recall on the vehicle for start fire and problem with the engine the car do not work do to fire and can not be prepare the car should not been sold

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 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: the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation